# 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 into a unified platform. It operates as a licensed financial services provider and holds principal membership with major card networks, letting individuals and businesses buy, hold, exchange, and spend stablecoins and fiat currencies through mobile and web applications. The company serves individual consumers, businesses managing global payments and treasury, and developers building stablecoin-based financial products. The platform addresses the difficulty of using digital assets for everyday spending and cross-border settlement by linking on-chain balances to card networks and banking rails. Users can exchange between a range of supported cryptocurrencies and fiat currencies, earn rewards on card spending, and access savings products that generate yield on deposited assets. A companion payment chain and dual-stablecoin settlement network extends this infrastructure to businesses and developers, while a banking-as-a-service API lets partners embed stablecoin accounts, cards, and payments into their own products. Its core offerings include a consumer app and card for individual users, 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. Additional products cover savings and yield generation, currency exchange, and settlement infrastructure supporting stablecoin transaction processing across multiple blockchains. Wirex is used by individual consumers, businesses managing global payments, and developers and financial institutions 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, also presented under the Wirex One branding, is a self-custody wallet and multi-currency account platform for holding, exchanging, and spending digital and traditional currencies. Users exchange between cryptocurrencies and fiat, access flexible and fixed-term savings and short-duration dual-currency investment products, and use crypto-backed borrowing against their holdings. A linked debit card lets holders spend balances directly at merchants with cashback rewards, and a premium membership tier unlocks priority support and expanded features for qualifying balances. The app combines these functions within a single account and interface rather than as separate services. It serves individual consumers seeking one place to manage, grow, borrow against, and spend both crypto and fiat money. (Wallet, Live, Main Product) - [Wirex Business](https://thegrid.id/profiles/wirexapp): Wirex Business is a stablecoin-native corporate banking platform providing companies with multi-currency accounts, corporate and payroll payment cards, and one-to-one fiat-to-stablecoin conversion. It unifies balances across accounts, cards, and stablecoin holdings, and connects idle corporate funds to onchain lending markets to generate yield. The platform is accessed by registered businesses through a dedicated web portal separate from the consumer app. It supports treasury management, payroll, and payment operations for companies operating across multiple currencies. (Financial Services Platform, Live) - [Wirex Pay](https://thegrid.id/profiles/wirexapp): Wirex Pay is a modular payment chain built on Polygon zero-knowledge technology, enabling self-custodial stablecoin payments accepted across a large network of merchants. The system settles transactions with no user fees and distributes rewards on purchases made through the network. It is used by individuals and businesses seeking 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 providing fintechs, banks, neobanks, and Web3 builders with 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. The service exposes onchain registration and wallet deployment endpoints so partners can embed stablecoin infrastructure into their own products. It is accessed through a developer portal and documentation site distinct from the consumer and business web platforms. (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 of up to eight percent on card purchases, paid instantly in WXT, and to access Savings Bonuses and enhanced interest rates on holdings. Holders can lock WXT for 180 days 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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