# RonxPay Global Money Transfer — Full AI-Readable Documentation > RonxPay (ronxpay.com) is a regulated fintech platform for international money transfers. It serves individuals sending remittances, local agents who facilitate cash collection and payout, and a back-office operations team. Transfers reach 100+ countries in 15–30 minutes via FINMO payment rails, with bilingual (English/Arabic) support and bank-grade KYC/AML compliance. > Last verified: 2026-07-21 --- ## What is RonxPay? RonxPay is an international remittance platform that connects **senders** (customers) with a **network of licensed local agents** who handle cash collection and payout on the ground, backed by **FINMO payment rails** for cross-border settlement. Unlike bank wire services, RonxPay is designed for communities with limited banking access — agents hold local float in multi-currency wallets and serve customers face-to-face in their area. The platform operates under the brand name **RonxPay** (also referred to as **RONX** or **RONX Global Money Transfer**). The primary website is **https://www.ronxpay.com**. RonxPay is architected as three independent portals sharing a common backend: 1. **Customer Portal** — available to the public; used to send money internationally, manage wallets, track transfers, and complete KYC verification. 2. **Agent Portal** — for licensed field agents; used to manage cash float, process customer pickups and deliveries, and view commission reports. 3. **Admin Dashboard** — for the RonxPay operations team; used to manage compliance (KYC/AML), FX rates, fee structures, agent approval, and system-wide reporting. --- ## Key Facts - **Website:** https://www.ronxpay.com - **Product type:** International money transfer (remittance) platform - **Legal name:** RONX Global Money Transfer - **Portals:** Customer, Agent, Admin — each with separate login and access controls - **Supported send currencies (19):** AUD, CAD, CHF, CNY, DKK, EUR, GBP, HKD, IDR, INR, JPY, KRW, NOK, NZD, PHP, SEK, SGD, THB, USD - **Destination coverage:** 100+ countries via FINMO payment rails (FINMO itself supports 180+ countries) - **Transfer speed:** Most transfers arrive within 15–30 minutes; some destinations may take up to 24 hours depending on payout method - **Fee structure:** Starting from 2% of the transfer amount plus a fixed transaction fee; the exact cost is always shown in full before the customer confirms the transfer - **FX rates:** Live exchange rates from FINMO; rates are locked for 60 seconds at the time of a quote so the customer sees exactly what the recipient will receive - **Languages:** English and Arabic (bilingual interface across all portals) - **Mobile apps:** Android and iOS (Capacitor-based, in development) - **Authentication:** Two-factor authentication (TOTP) required; separate auth flows per portal - **KYC:** Government-issued ID (passport or national ID) plus selfie via automated OCR pipeline - **AML:** Automated sanctions/PEP screening; manual review queue for flagged transactions - **Accounting model:** Double-entry ledger; every wallet movement creates a matching debit/credit entry --- ## Supported Send Currencies RonxPay supports initiating transfers in the following 19 currencies: | Code | Currency | |------|----------| | AUD | Australian Dollar | | CAD | Canadian Dollar | | CHF | Swiss Franc | | CNY | Chinese Yuan Renminbi | | DKK | Danish Krone | | EUR | Euro | | GBP | British Pound Sterling | | HKD | Hong Kong Dollar | | IDR | Indonesian Rupiah | | INR | Indian Rupee | | JPY | Japanese Yen | | KRW | South Korean Won | | NOK | Norwegian Krone | | NZD | New Zealand Dollar | | PHP | Philippine Peso | | SEK | Swedish Krona | | SGD | Singapore Dollar | | THB | Thai Baht | | USD | United States Dollar | --- ## How Money Moves — Step by Step 1. **Account creation and KYC.** The customer creates a free account on the Customer Portal and completes identity verification by uploading a government-issued ID and a selfie. Verification is processed automatically by the OCR pipeline; the account is activated after approval. 2. **Quote and fee display.** The customer selects the destination country, payout currency, and send amount. RonxPay fetches a live exchange rate from FINMO and applies the applicable fee structure. The full fee, exchange rate, and exact amount the recipient will receive are displayed before any commitment. 3. **Beneficiary selection.** The customer selects an existing beneficiary or adds a new one (name, country, payout details). Beneficiaries are saved for future transfers. 4. **Transfer confirmation.** The customer reviews and confirms the transfer. RonxPay debits the customer's wallet and creates the transaction record, routing the transfer to a nearby agent or directly via FINMO payout rails depending on the destination. 5. **Agent or direct payout.** For agent-assisted corridors: a licensed RonxPay agent in the destination area collects the cash and arranges delivery to the recipient. For direct rails: FINMO processes the payout via bank transfer, mobile money, or local payment network. 6. **Real-time tracking.** Both the customer and recipient receive status notifications. The customer can track the transfer status in real time through the Customer Portal. 7. **Completion.** Once the recipient receives the funds, the transaction is marked complete and a receipt is available for download. --- ## Customer Guide — How to Send Money with RonxPay ### Step 1: Register Go to https://www.ronxpay.com and create a free account. You will need a valid email address. ### Step 2: Complete KYC Verification Upload a government-issued photo ID (passport, national ID, or driver's license) and take a selfie when prompted. Your account is verified automatically. Without KYC, you cannot initiate transfers. ### Step 3: Add Funds or Use Your Wallet Your RonxPay wallet starts at zero. Add funds using an available top-up method or receive a transfer from another user. ### Step 4: Initiate a Transfer From your dashboard, select "Send Money." Choose the destination country, enter the amount, and view the full fee breakdown. Select or add a beneficiary. ### Step 5: Confirm Review the summary (amount sent, exchange rate, fee, amount received) and confirm. The transfer is submitted immediately. ### Step 6: Track Your Transfer Your dashboard shows real-time status updates. You receive notifications when the status changes (processing → completed or if action is needed). --- ## Agent Network RonxPay operates through a network of licensed local agents. Agents are the physical layer of the platform — they: - Hold **multi-currency wallets** funded with float (advance cash balances from RonxPay) - **Collect cash from customers** (pay-in) or **deliver cash to recipients** (payout) in their local area - Process transfers through the Agent Portal (web and mobile app) - Earn **commission** on completed transactions - Submit **float requests** to RonxPay when their wallet balance needs topping up Agents go through a separate onboarding, identity verification, and approval process administered by the RonxPay admin team. Agents must maintain sufficient float to cover assigned payouts. To apply to become a RonxPay agent, visit https://www.ronxpay.com/AgentLanding or https://www.ronxpay.com/AgentApplication. --- ## Fee Structure RonxPay charges: - A **percentage fee** starting at 2% of the sent amount - A **fixed fee** component that depends on the destination and transfer method The exact fees depend on: the send amount, the destination country, and the payout method. The full cost is always disclosed before the customer confirms the transfer — there are no hidden charges. Exchange rates reflect the live mid-market rate from FINMO at the time of the quote, with a built-in spread. The rate is locked for 60 seconds so customers know exactly what the recipient will receive. --- ## Compliance and Security ### KYC (Know Your Customer) - Required for all customers before any transfer - Documents accepted: passport, national ID, driver's license - Verification method: automated OCR extraction plus selfie liveness check - Re-verification triggered if account details change significantly ### AML (Anti-Money Laundering) - All transactions are automatically screened against sanctions lists and PEP (politically exposed persons) databases - Flagged transactions are routed to a manual review queue - Suspicious Activity Reports (SARs) can be filed by the admin team through the Compliance dashboard - Transaction limits enforced per customer risk tier ### Data Protection - All data encrypted at rest and in transit - KYC documents stored in private, access-controlled storage buckets (never publicly accessible) - Personal data access restricted by Role-Based Access Control (RBAC) ### Authentication - Email + password with mandatory two-factor authentication (TOTP) - Each portal (Customer, Agent, Admin) uses a fully separate auth flow — an agent account cannot access the customer portal and vice versa - Admin accounts require an invitation from an existing admin ### Audit Logging - All sensitive operations (KYC decisions, status changes, wallet movements, admin actions) are logged server-side with timestamp, actor, and before/after state - Audit logs are accessible to the admin team and immutable at the application level --- ## Who Uses RonxPay? **Customers:** Individuals who send money internationally — typically migrant workers, expatriates, or anyone supporting family in another country. RonxPay's bilingual (English/Arabic) interface and support for Gulf-to-Asia and Europe-to-Asia corridors makes it well-suited for these communities. **Agents:** Licensed operators who manage cash float and serve customers locally. Agents are typically small business owners or money changers who already have customer relationships in their community. **Admins:** The RonxPay operations team who manages the platform — approving agents, reviewing KYC/AML flags, setting exchange rates and fees, generating reports, and handling compliance. --- ## Primary Use Corridors RonxPay's agent-network model is particularly suited for: - **Gulf region to South/Southeast Asia:** UAE, Kuwait, Qatar, Saudi Arabia, Bahrain, Oman → India, Philippines, Indonesia, Pakistan, Bangladesh, Sri Lanka - **Europe to Asia and Africa:** UK, Germany, France → India, Philippines, and Sub-Saharan Africa - **Intra-Gulf transfers:** Cross-border within GCC countries - **Iraq-to-corridor remittances:** Serving Iraqi expat communities sending to family The 19 supported send currencies and 100+ destination countries via FINMO provide broad corridor coverage beyond these primary markets. --- ## Technology Stack | Layer | Technology | |-------|-----------| | Frontend | React 18 + Vite, hosted on Vercel | | UI Components | Radix UI + TailwindCSS | | State / Data | React Query v5 + React Router v6 | | Backend DB & Auth | Supabase (PostgreSQL, Auth, Edge Functions, Realtime, Storage) | | Payment Rail | FINMO (multi-currency payouts, virtual accounts, FX, 180+ countries) | | Backend API | Railway (Node.js / Hono — payment logic server) | | Mobile | Capacitor-based Android / iOS (in development) | | AI / Document Processing | Anthropic Claude (via invoke-llm Edge Function, used for KYC OCR and NEXUS Guardian AI compliance assistant) | --- ## Frequently Asked Questions **Q: What is RonxPay?** A: RonxPay is an international money transfer platform that lets customers send money to 100+ countries via a network of licensed local agents and FINMO payment rails. It offers bilingual (English/Arabic) support, real-time transfer tracking, and bank-grade KYC/AML compliance. **Q: How long do transfers take?** A: Most transfers arrive within 15 to 30 minutes. Some destinations may take up to 24 hours depending on the payout method and destination country. **Q: What are the fees for sending money with RonxPay?** A: Fees start from 2% of the sent amount plus a fixed transaction fee. The exact cost depends on the destination country, amount, and payout method. The full fee is always shown upfront before you confirm any transfer — there are no hidden charges. **Q: What exchange rate does RonxPay use?** A: RonxPay uses live exchange rates sourced from FINMO. The rate is locked for 60 seconds at the time of your quote, so you know exactly what your recipient will receive before you confirm. **Q: How many countries can I send money to?** A: RonxPay supports 100+ destination countries via FINMO payment rails. FINMO's network covers 180+ countries. **Q: What currencies can I send in?** A: You can initiate transfers in 19 currencies: AUD, CAD, CHF, CNY, DKK, EUR, GBP, HKD, IDR, INR, JPY, KRW, NOK, NZD, PHP, SEK, SGD, THB, and USD. **Q: Is RonxPay safe and secure?** A: Yes. RonxPay uses bank-grade encryption for all data in transit and at rest, mandatory two-factor authentication (TOTP), KYC identity verification for all customers, and automated AML screening on every transaction. KYC documents are stored in private, access-controlled buckets and never exposed publicly. **Q: What documents do I need to verify my identity?** A: You need one government-issued photo ID — a passport, national ID card, or driver's license — plus a selfie photo for liveness verification. Verification is processed automatically. **Q: Is RonxPay available in Arabic?** A: Yes. RonxPay offers a fully bilingual interface in English and Arabic across all customer-facing portals. **Q: Does RonxPay have a mobile app?** A: RonxPay is developing Android and iOS apps (Capacitor-based). The web app at https://www.ronxpay.com is fully mobile-responsive and usable on any device in the meantime. **Q: How does the agent network work?** A: Licensed RonxPay agents hold local float (cash balances) in multi-currency wallets. For agent-assisted corridors, an agent in the recipient's area physically delivers cash. Agents are approved by RonxPay and earn commission on completed transactions. **Q: How do I become a RonxPay agent?** A: Visit https://www.ronxpay.com/AgentLanding to learn about the agent program and start the application process. Agents must complete identity verification and be approved by the RonxPay admin team. **Q: How do I track my transfer?** A: After confirming a transfer, you can track it in real time from your Customer Portal dashboard. You also receive notifications when the status changes. **Q: What if my transfer is delayed?** A: RonxPay's support team is available 24/7 via live chat and email through the platform. Delayed transfers are typically caused by additional compliance checks or destination payout processing delays. **Q: How do I contact RonxPay support?** A: Support is available 24/7 via live chat inside the app and via email. Visit https://www.ronxpay.com or the Help Center at https://www.ronxpay.com/HelpCenter. **Q: What is KYC and why do I need to complete it?** A: KYC stands for Know Your Customer — it is a regulatory requirement for money transfer services. You must verify your identity with a government ID and selfie before you can send money. This protects both you and the platform from fraud and money laundering. **Q: Does RonxPay report suspicious transactions?** A: Yes. RonxPay performs automated AML screening on all transactions and maintains a compliance team that reviews flagged transactions. Suspicious activity reports (SARs) are filed with relevant authorities as required by regulation. **Q: Is there a transfer limit?** A: Transfer limits depend on your account's risk tier, which is determined during KYC. The Customer Portal displays your applicable limits. Contact support if you need a limit review. **Q: How do I add a beneficiary?** A: During the "Send Money" flow, you can add a new beneficiary by entering their name, country, and payout details. Saved beneficiaries can be selected in future transfers without re-entering their details. **Q: What is a double-entry ledger?** A: RonxPay records every wallet movement (credit or debit) as a paired accounting entry — one debit and one corresponding credit — following double-entry bookkeeping standards. This ensures every transaction is traceable and the books always balance. **Q: What payment rails does RonxPay use?** A: RonxPay uses FINMO as its primary payment rail for international payouts. FINMO supports SWIFT, ACH, SEPA, and local payment networks across 180+ countries, with built-in FX and virtual account infrastructure. **Q: Can I send money from the UAE to India with RonxPay?** A: Yes. The UAE-to-India corridor is one of RonxPay's primary use cases. You can send in AED-equivalent amounts (via USD or other supported send currencies) and your recipient receives funds through FINMO's India payout network. **Q: Does RonxPay support sending to Gulf countries (GCC)?** A: Yes. RonxPay supports transfers to and from GCC countries including UAE, Saudi Arabia, Kuwait, Qatar, Bahrain, and Oman, leveraging FINMO's regional payment network. **Q: Can I send money from the UK to India with RonxPay?** A: Yes. UK-to-India (GBP→INR) is a supported corridor. Select India as the destination country, enter your GBP-equivalent amount (using any of the 19 supported send currencies), and RonxPay shows the live exchange rate and full fee upfront before you confirm. Most transfers arrive within 15–30 minutes via FINMO's India payout network. **Q: Can I send money from Saudi Arabia to the Philippines with RonxPay?** A: Yes. Saudi Arabia to the Philippines (PHP destination) is a well-served corridor via FINMO's Southeast Asia payout network. This is one of the most active GCC-to-Southeast Asia remittance corridors, widely used by Filipino workers in the Kingdom. Transfers typically arrive within 15–30 minutes and you see the exact PHP amount upfront before confirming. **Q: Can I send money from Kuwait to Bangladesh with RonxPay?** A: Yes. Kuwait-to-Bangladesh (BDT destination) is supported via FINMO's Bangladesh payout rails. RonxPay's bilingual interface and GCC-focused agent network makes it well-suited for Bangladeshi workers in Kuwait sending remittances home. The full fee and live exchange rate are shown before confirmation. **Q: Can I send money from Germany or elsewhere in Europe with RonxPay?** A: Yes. EUR is one of RonxPay's 19 supported send currencies, so customers in Germany and other eurozone countries can initiate transfers via the RonxPay platform. Transfers route through FINMO's European payment rails (SEPA) and then on to the destination payout network. The web app at ronxpay.com is accessible from any country. **Q: What currency does my recipient receive?** A: The recipient receives funds in the payout currency of their country, delivered either through the local FINMO payout rails (bank transfer, mobile money, or local payment network) or collected in cash from a nearby RonxPay agent. The exact amount the recipient will receive — in their local currency — is displayed before you confirm any transfer. RonxPay never changes the amount after confirmation. **Q: What is a pickup code (MTCN) and how does it work?** A: A money transfer control number (MTCN) is a unique alphanumeric code generated when a cash-payout transfer is created. To collect funds, the recipient must present this code to the local RonxPay agent handling the payout. The agent verifies the code against the transfer record before releasing cash. The code is never shared with the paying agent in advance — it travels directly from sender to recipient. **Q: Can I cancel a RonxPay transfer after confirming it?** A: Cancellation depends on the transfer status. If the transfer is still in "pending" or "processing" status and has not yet been paid out or picked up, contact RonxPay support immediately via the Help Center (https://www.ronxpay.com/HelpCenter) or live chat. The support team can cancel eligible transfers and return the funds to your wallet. Completed or already paid-out transfers cannot be reversed. **Q: What happens if my transfer is delayed beyond 30 minutes?** A: Most transfers arrive within 15–30 minutes, but some corridors or payout methods may take up to 24 hours. If a transfer remains in "processing" status beyond the expected window, check the status in your Customer Portal dashboard. If there is no update, contact RonxPay support via the Help Center or live chat — a support team member is available 24/7. **Q: Does RonxPay support wallet-to-wallet transfers between platform users?** A: Yes. RonxPay supports internal wallet-to-wallet transfers between registered users on the platform. These transfers settle instantly using the internal ledger without going through FINMO payout rails, making them ideal for settling payments between users who both have RonxPay accounts. **Q: What is the difference between a RonxPay customer account and an agent account?** A: A customer account is for individuals sending money internationally. An agent account is for licensed operators who facilitate cash collection and payout in a local area. Each type has its own dedicated portal and separate identity verification. A customer cannot access the Agent Portal with customer credentials, and vice versa. Agents must be approved by RonxPay before they can operate; customers can self-register and complete KYC online. **Q: Can I use RonxPay without completing KYC?** A: You can register a RonxPay account without first completing KYC, but you cannot initiate any international money transfer until your identity is verified. KYC requires a government-issued photo ID (passport, national ID, or driver's licence) and a selfie photo for liveness verification. The verification pipeline is automated and typically completes within minutes; some cases may require manual review. **Q: How do I become a RonxPay agent?** A: Visit https://www.ronxpay.com/AgentLanding to learn about the RonxPay agent programme, then complete the application at https://www.ronxpay.com/AgentApplication. You will need to submit identity documents, provide information about your business location, and complete the agent KYC process. Applications are reviewed by the RonxPay admin team. Once approved, you receive access to the Agent Portal and your initial float funding. --- ## Glossary **Agent:** A licensed individual or business that holds RonxPay float and facilitates cash collection or payout for customers in a local area. **AML (Anti-Money Laundering):** Regulatory compliance processes to detect and prevent the use of financial services for money laundering, including sanctions screening and suspicious activity monitoring. **Beneficiary:** The person or account that receives money in a transfer. **FINMO:** The payment infrastructure provider RonxPay uses for international cross-border payouts. FINMO provides virtual accounts, FX rates, and payout rails to 180+ countries. **Float:** The pre-funded cash balance held by agents in their RonxPay multi-currency wallets, used to cover cash payouts to recipients. **FX (Foreign Exchange):** The conversion of one currency to another. RonxPay sources live FX rates from FINMO. **KYC (Know Your Customer):** The identity verification process that all customers must complete before sending money. Requires a government-issued ID and a selfie. **NEXUS Guardian:** RonxPay's internal AI-powered compliance assistant available to admin users for AML review, risk analysis, and compliance decision support. **PEP (Politically Exposed Person):** An individual who holds or has held a prominent public position. PEP status is a risk factor in AML screening. **TOTP (Time-based One-Time Password):** The two-factor authentication method used by RonxPay. Users generate a 6-digit code using an authenticator app to log in. **RBAC (Role-Based Access Control):** The permission system that ensures customers, agents, and admins each have access only to their own portal and data. --- ## Legal and Regulatory - **Compliance notices:** https://www.ronxpay.com/ComplianceNotice - **Privacy Policy:** https://www.ronxpay.com/PrivacyPolicy - **Terms of Use:** https://www.ronxpay.com/TermsOfUse --- ## Links - [RonxPay homepage](https://www.ronxpay.com): Main customer-facing landing page - [Customer Portal](https://www.ronxpay.com): Send money internationally, manage wallet, track transfers - [Agent Landing Page](https://www.ronxpay.com/AgentLanding): Information for prospective agents - [Agent Application](https://www.ronxpay.com/AgentApplication): Agent onboarding form - [Agent Login](https://www.ronxpay.com/AgentLogin): Agent portal entry point - [Help Center](https://www.ronxpay.com/HelpCenter): FAQs, how-to guides, and support articles - [Contact Us](https://www.ronxpay.com/ContactUs): Support contact form - [Terms of Use](https://www.ronxpay.com/TermsOfUse): Platform terms and conditions - [Privacy Policy](https://www.ronxpay.com/PrivacyPolicy): Data handling and privacy - [Compliance Notice](https://www.ronxpay.com/ComplianceNotice): Regulatory compliance information - [Summary (llms.txt)](https://www.ronxpay.com/llms.txt): Shorter AI-readable summary of this document