How funds move
coordination only — no funds
Funds move directly between the client and licensed institutions — never through nettFX.
The operating problem
Capital parked with correspondents days ahead of payout, at the remitter's cost of capital.
Margins embedded in headline rates — the all-in landed cost is hard to see and harder to compare.
One correspondent, one rail — and no fallback when a desk goes quiet.
Reconciliation and audit evidence assembled by hand, every day.
The operating model
Non-custodial by design
Funds move directly between the client and licensed, KYB-verified payout institutions. nettFX coordinates; it never holds.
OTC-sourced, multi-desk rates
Daily rates from licensed payout institutions and institutional OTC desks — independently cross-checked per corridor, with a disclosed fallback protocol.
Priced on the delivered amount
Corridors are quoted and routed on what the beneficiary receives after all fees — bank and mobile-money rails, executed by licensed third-party payout partners.
Audit-ready by default
Per-payout records, same-day reconciliation files in the client's format, monthly audit packs. Compliance traces any payout end-to-end.
Since 6 July 2026: daily multi-sourced rate operations for a European-licensed money transfer operator across Nigeria, Ghana, Côte d'Ivoire, Senegal and The Gambia — zero-spread pass-through, fallback sourcing exercised under the documented protocol, every rate source-stamped.
How engagement works
Every engagement starts with a fixed-cost, six-week corridor pilot: a joint landed-cost baseline of your current setup, onboarding with licensed payout partners, a first live transaction, then a parallel run alongside your incumbent — gated on pre-agreed success metrics covering same-day settlement, reconciliation match with a full audit pack, on-schedule rate publication and zero compliance exceptions.
Production pricing is fixed in writing before the pilot begins. Zero FX spread, always — nettFX is paid a transparent operations fee, not a rate markup.
Where this goes
nettFX is building the operating system for cross-border payout operations — compliance, routing, reconciliation and settlement as software. Every new corridor, rail and report becomes a software update — not a project.
Founder
Cedric Vogt — built and operated price-integrity monitoring for a live Swiss derivatives-trading venue running on distributed ledger technology; twelve months building daily operating relationships with licensed African payout institutions; quantitative economics, University of Zurich / ETH Zurich. LinkedIn