# RonxPay Global Money Transfer

> RonxPay is a regulated international money transfer platform that lets customers send money to 100+ countries through a network of licensed local agents, with multi-currency wallets, KYC/AML compliance, and real-time transfer tracking.

## What is RonxPay?

RonxPay (ronxpay.com) is a fintech platform enabling international remittances through a three-channel architecture: a **Customer portal** for sending money, an **Agent portal** for field agents who facilitate cash-in/cash-out, and a **Super Admin dashboard** for operations. Agents hold local float (cash balances) and handle physical money collection and delivery, making the platform well-suited for corridors where banking access is limited.

RonxPay is built for communities sending money across borders — supporting Arabic and English interfaces and currencies relevant to Gulf, Europe, and Asia corridors.

## Key Facts

- **Website:** https://www.ronxpay.com
- **Legal name:** RONX Global Money Transfer
- **Product type:** International money transfer (remittance) platform
- **Portals:** Customer, Agent, Admin — each with separate login and access controls
- **Supported currencies (19):** AUD, CAD, CHF, CNY, DKK, EUR, GBP, HKD, IDR, INR, JPY, KRW, NOK, NZD, PHP, SEK, SGD, THB, USD
- **Coverage:** 100+ destination countries via FINMO payment rails (180+ countries)
- **Transfer speed:** Most transfers arrive within 15–30 minutes
- **Fee model:** Starting from 2% + a fixed transaction fee; full cost shown upfront before confirmation
- **Languages:** English and Arabic (bilingual interface)
- **Security:** Two-factor authentication (TOTP), KYC identity verification, AML screening, double-entry ledger accounting, bank-level encryption
- **Agent network:** Licensed field agents hold multi-currency wallets and handle cash collection / payout in their local area
- **Payment infrastructure:** FINMO for international payouts; Supabase for data and auth; Vercel for frontend delivery

## How Money Moves

1. Customer creates a free account and completes KYC identity verification
2. Customer selects the destination country, currency, and amount — full fee and exchange rate shown upfront
3. RonxPay routes the transfer to a nearby agent or directly via FINMO payout rails
4. Agent collects or disburses cash locally; customer tracks status in real time
5. Both parties receive notifications on completion

## Compliance and Security

- KYC: government-issued ID + selfie verification via OCR pipeline
- AML: automated screening with sanctions/PEP checks; manual review queue for flagged transactions
- Data protection: encryption at rest and in transit; private document storage buckets
- RBAC (role-based access control): customer, agent, and admin permissions strictly separated
- Audit trail: all sensitive changes (KYC decisions, status changes, wallet movements) logged server-side

## Who Uses RonxPay?

- **Customers:** individuals sending money internationally to family or business partners
- **Agents:** licensed operators who facilitate cash collection and payouts in a local area
- **Admins:** RonxPay operations team managing compliance, float, FX rates, and customer support

## Technology

- Frontend: React 18 + Vite, hosted on Vercel
- Backend: Supabase (PostgreSQL, Auth, Edge Functions, Realtime), Railway (payment API)
- Payment rail: FINMO (multi-currency payouts, virtual accounts, FX)
- Mobile: Capacitor-based Android/iOS apps (in development)

## Links

- [Customer Portal](https://www.ronxpay.com): Send money internationally
- [Agent Landing](https://www.ronxpay.com/AgentLanding): Information for prospective agents
- [Agent Login](https://www.ronxpay.com/AgentLogin): Agent portal entry
- [Help Center](https://www.ronxpay.com/HelpCenter): FAQs and support articles
- [Contact / Support](https://www.ronxpay.com/ContactUs): Support contact form
- [Compliance Notice](https://www.ronxpay.com/ComplianceNotice): Regulatory information
- [Privacy Policy](https://www.ronxpay.com/PrivacyPolicy): Data handling
- [Terms of Use](https://www.ronxpay.com/TermsOfUse): Platform terms

## Optional

- [Full AI-readable documentation](https://www.ronxpay.com/llms-full.txt): Comprehensive reference with step-by-step guides, FAQ, glossary, compliance details, and technology stack