Regulated by design.
instiXFX Global Ltd is a payments and FX firm operating in line with EU and UK payments regulation. Every activity we offer to customers falls inside our authorised scope — nothing is offered outside it.
Regulated activities
Our permissions cover the issuance of multi-currency e-money wallets, FX conversion between held balances, card-funded top-ups authenticated with 3DS2, and SEPA/SWIFT payouts to a bank account in the customer's own verified name.
Prudential oversight
instiXFX maintains regulatory capital, safeguarding audits, and independent external audit of both financial statements and customer-money reconciliation. We publish material changes to our permissions on this page.
Passporting & cross-border
We serve customers only in jurisdictions where we hold, or passport, the required permissions. Onboarding checks include country-of-residence verification and sanctions screening against global watchlists.
Out of scope
No crypto assets. No OTC counterparties. No third-party withdrawals. These are deliberate product boundaries — they keep the regulatory perimeter clean and customer funds safe.