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PCXPay has introduced a smart routing system designed to move money “as quickly as a message”, targeting delays and high fees that affect cross-border transfers. The idea emerged from a small experiment: sending €0.50 across a border.
The team discovered that many global payment rails, including bank networks, real-time links, and digital-dollar routes, were not built to handle very small amounts. “A simple €0.50 payout became an obstacle course,” co-founder Daniel Levy said. “Fees cut the value. Transfers stalled. It felt like money was still running on last century’s systems.”
The test began in October 2024 when MyDevConnect, PCXPay’s parent company, created a tool to deliver gaming micro-prizes in Nigeria. Many transfers did not arrive in full, prompting the company to design its own routing layer.
PCXPay now provides a connective layer that selects the fastest or cheapest route for each transaction in real time. “One integration, many ways to move money,” Co-Founder Mofe Binitie said. “We show the true cost before you press send.”
According to the company, the system processes amounts from €0.50 to more than €500,000 and supports gaming firms, marketplaces, fintech companies, B2B platforms, and institutions that manage funds across currencies.
PCXPay says its system keeps small transfers viable by reducing fixed fees and improves predictability for large payments. It also publishes a scorecard that shows speed, cost, and reliability across corridors.
“We want clear promises, not blind trust,” Co-Founder Ben-Anthony Donnelly said. “Money should move from Lagos to Zurich as simply as pressing send.”
Users are expected to see fewer delays, lower charges, and clearer expectations when sending money across borders.
