# Wirex > The next generation of finance Wirex is a stablecoin payment infrastructure company offering consumer and business financial services. It provides a consumer app, corporate stablecoin banking, developer APIs, and a settlement network for global payments. Wirex is a stablecoin payment infrastructure company that combines digital asset and traditional currency services in one platform. It operates as a licensed financial services provider, letting individuals and businesses buy, hold, exchange, and spend stablecoins and fiat currencies through mobile and web applications. It serves consumers, companies managing global payments and treasury, and developers building stablecoin-based financial products. The platform links on-chain balances to card networks and banking rails, which makes digital assets usable for everyday spending and cross-border settlement. Users exchange between supported cryptocurrencies and fiat currencies, earn rewards on card spending, and hold savings that generate yield. A payment chain and stablecoin settlement network extend this infrastructure to businesses and developers, and a banking-as-a-service API lets partners embed accounts, cards, and payments in their own products. Core offerings are a consumer app and card, a business platform for corporate treasury, payroll, and payments, a premium tier for higher-balance clients, and a banking-as-a-service platform for third-party builders. Wirex is used by individual consumers, businesses managing global payments, and financial institutions and developers building on its stablecoin payment infrastructure. - Type: Company - Sector: Payments - Status: Active - Founded: 2014-01-01 - Profile: https://thegrid.id/profiles/wirexapp ## Products - [Wirex App](https://thegrid.id/profiles/wirexapp): Wirex App is a multi-currency account and wallet platform for holding, exchanging, and spending digital and traditional currencies. Users exchange between cryptocurrencies and fiat, earn on flexible and fixed-term savings, and manage both in a single account and interface. A linked debit card lets holders spend balances at merchants with cashback rewards, and a premium tier adds a personal manager, higher limits, and expanded features for high-balance clients. It serves individual consumers who want one place to manage, grow, and spend crypto and fiat money. (Wallet, Live, Main Product) - [Wirex Business](https://thegrid.id/profiles/wirexapp): Wirex Business is a stablecoin-native corporate banking platform that gives companies multi-currency accounts, corporate and payroll payment cards, and fiat-to-stablecoin conversion. It unifies balances across accounts, cards, and stablecoin holdings and connects idle corporate funds to onchain lending markets for yield. It supports treasury management, payroll, and payments for companies operating across multiple currencies. (Financial Services Platform, Live) - [Wirex Pay](https://thegrid.id/profiles/wirexapp): Wirex Pay is a modular payment chain that enables self-custodial stablecoin payments accepted across a large network of merchants. It settles transactions without user fees and distributes rewards on purchases made through the network. Individuals and businesses use it for non-custodial stablecoin payment rails integrated with card networks. (Payments Infrastructure & Orchestration, Live) - [Wirex Travel](https://thegrid.id/profiles/wirexapp): Wirex Travel is a hotel booking platform that lets users pay for accommodations using cryptocurrency and earn cashback rewards when paying with Wirex cards. It offers a search-and-book interface integrated with travel suppliers, targeted at Wirex customers looking to combine travel bookings with crypto spending and rewards. (Travel Booking Site, Live) - [Wirex BaaS](https://thegrid.id/profiles/wirexapp): Wirex BaaS is a banking-as-a-service platform that gives fintechs, banks, neobanks, and Web3 builders a unified API for stablecoin accounts, payments, and yield. Partners can issue co-branded payment cards and provision virtual IBAN-linked accounts, while a dual-stablecoin settlement network moves value across banking and card rails. Onchain registration and wallet deployment endpoints let partners embed stablecoin infrastructure in their own products. (Financial Services Platform, Live) ## Assets - [Wirex Token (WXT)](https://thegrid.id/profiles/wirexapp): WXT is the utility token of Wirex, a stablecoin banking and payments platform. It is used to earn Cryptoback rewards on card purchases, paid instantly in WXT, and to access Savings Bonuses and higher interest rates on holdings. Holders can lock WXT to unlock boosted reward tiers, creating incentives that reward sustained platform engagement. (Utility) - [Wirex Pay Token (WPAY)](https://thegrid.id/profiles/wirexapp): WPAY is the governance token of the Wirex Pay network and its DAO. Holders vote on protocol proposals, stake for rewards, and operate network nodes, while also determining membership tier within the Wirex One program, where the tier scales with portfolio size and the share of the portfolio held in WPAY. It underpins a payment infrastructure enabling self-custodial stablecoin transactions at merchants. (Governance) ## Links - [Main](https://wirexapp.com) - [Blog](https://wirexapp.com/blog) - [Whitepaper](https://files.wirexapp.com/WhitePaper_WXT_2019_ENG.pdf) - [Media Kit/branding](https://files.wirexapp.com/wirex_press_kit_2025.zip) - [Terms of Service](https://help.wirexapp.com/category/terms-and-policies-0427) - [Documentation](https://docs.wirexapp.com/docs/how-it-works) - [Twitter / X](https://x.com/wirexapp) - [Facebook](https://www.facebook.com/wirexapp) - [Instagram](https://www.instagram.com/wirexapp) - [LinkedIn](https://www.linkedin.com/company/wirex-limited) - [TikTok](https://www.tiktok.com/@wirexapp.com) - [YouTube](https://www.youtube.com/@Wirexappcom) - [Telegram](https://t.me/whalebywirex) - [Twitter / X](https://x.com/wirexpaychain) - [Reddit](https://www.reddit.com/r/wirexappofficial) - [Medium](https://medium.com/wirex) - [Telegram](https://t.me/wirexappofficial) ## Legal This data is provided under two licensing models. Model 1 - open data. 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