The full instiXFX flow.

1. 1
   Visitor

   Lands on instiXFX from marketing, referral or direct.

2. 2
   Homepage / hero

   Value prop · live FX calculator · sign-up CTA.

3. 3
   Create account

   Email · password · profile.

4. 4
   KYC / verify identity

   ID document · selfie · automated checks (Sumsub). Outcomes: PASS → dashboard, or REVIEW → pending, additional info requested, resubmit path.

5. 5
   Dashboard

   Verified — full access to conversion, balances and withdrawal.

1. 6
   FX calculator

   Buy / sell both sides · pick either currency · enter source OR target amount.

2. 7
   Live quote

   Converted amount and rate — institutional pricing.

3. 8
   Review & confirm

   Amount, rate, total — customer confirms.

4. 9
   Fund by card

   Enter card · Visa / Mastercard · hosted fields.

5. 10
   3DS2 authentication

   Risk-based step-up or frictionless.

1. 11
   Acquiring

   Card authorised & captured · settled in CAD.

2. 12
   Banking

   CAD processed · converted & settled to instiXFX in EUR.

3. 13
   instiXFX EUR account

   EUR credited to the instiXFX banking account.

4. 14
   Ledger update

   instiXFX credits the customer's EUR balance.

5. 15
   Balance available

   Customer sees funds in-app.

1. 16
   Customer balance

   Multi-currency wallet (EUR, GBP, …). Updates on every settlement.

2. 17
   Hold

   Keep multi-currency balances — no action required.

3. 18
   Convert held currency

   Convert one held balance into another (e.g. EUR » GBP).

4. 19
   Withdraw to OWN bank account

   SEPA / SWIFT — customer's own verified account only.

Out of scope by design — instiXFX provides no in-product path to crypto or to OTC / third-party pay-outs. Withdrawals settle only to the customer's own bank. Endpoint — what the customer does next is their own choice.