The MXI Delta Wallet is a global digital wallet and payment gateway that lets users send, receive, and manage money across countries and currencies through a single, secure interface. It connects directly with global banking systems and blockchain-based infrastructure, bringing cross-border payments and digital assets together in one easy-to-use platform with global access and secure digital custody.

MXI Delta Wallet works with major global banking systems—including ACH, Wire, SPEI, PIX, and SEPA—and connects directly to blockchain networks via USDC. This makes it easy to move money between banks and crypto, allowing users to on-ramp and off-ramp digital assets while managing payments across the United States, Mexico, Brazil, and Europe from a single wallet.

The wallet uses USDC, a secure digital dollar, as the core way value is held and moved. USDC is a fully reserved stablecoin that combines the stability of the U.S. dollar with the speed and reliability of blockchain technology, enabling funds to move quickly and securely between traditional payment systems and crypto networks.

MXI Delta Wallet gives individuals and businesses one place to manage global money, combining traditional banking, blockchain access, and multi-currency support into a practical and powerful digital wallet. By bringing these systems together, users gain greater control over how their money is held, moved, and used—allowing them to act independently and participate more directly in the global financial system through a single, connected wallet.

For personal accounts, just verify your identity and your main source of funds.

For business accounts, provide your company documents and let us know how you plan to use the account.

The process is fast and straightforward.

You can withdraw in multiple ways depending on your needs:

Fiat withdrawals:

ACH or Wire (USD)
SEPA (EUR)
SPEI (MXN)
Pix (BRL)
Digital asset withdrawals:

USDC to any supported chain (Solana, Base, Polygon, and more)
Transfers to exchanges or self-custody wallets
MXI gives you complete flexibility to move money where and how you want.

MXI Delta Wallet does not directly custody customer funds.

Customer balances are safeguarded through MXI's network of regulated banking institutions and licensed financial partners across the United States, Europe, Mexico, and Brazil. Funds remain with these regulated entities in segregated or safeguarded accounts in accordance with applicable regional banking and payments regulations.

Fiat currencies are maintained as follows:

USD — maintained with Lead Bank, a U.S.-chartered bank and Member FDIC. USD balances are held in designated customer accounts under U.S. banking supervision and applicable federal regulatory standards.

EUR — held with Banking Circle S.A., a Luxembourg-based credit institution authorized and regulated by the Commission de Surveillance du Secteur Financier (CSSF). Banking Circle provides SEPA connectivity and euro settlement services within the European payments area.

MXN — processed through licensed Mexican financial institutions participating ma de Pagos Electrónicos Interbancarios (SPEI), Mexico's domestic real-time payment system operated and overseen by Banco de México.

BRL — supported through regulated Brazilian financial institutions participating in PIX, Brazil's instant payment infrastructure supervised by the Central Bank of Brazil (Banco Central do Brasil).

Digital assets

Digital assets, including USDC balances, are safeguarded through institutional-grade custody providers. MXI utilizes Bridge, a Stripe company, for stablecoin custody and digital asset infrastructure. Bridge operates under enterprise-level security standards, regulatory compliance frameworks, and operational risk controls appropriate for institutional digital asset custody.

All partners operate under applicable banking, payments, anti-money laundering (AML), and counter-terrorist financing (CTF) regulations within their respective jurisdictions. Customer funds are not commingled with MXI operating funds.

MXI's role is limited to providing the technology platform, orchestration, and global connectivity that enable customers to manage, move, and access funds across currencies and regions.

This structure combines regulated financial institutions, established payment networks, and institutional digital custody providers within a unified, modern financial interface.

Yes — MXI uses blockchain technology, but in a way that is seamless, secure, and easy to use for both individuals and organizations. You don't need to be a crypto expert to benefit from it.

Today, the Delta Wallet supports USDC digital dollars, giving users the stability of traditional currency with the speed, transparency, and auditability of blockchain settlement.

However, blockchain is more than just a payment option for MXI — it is a core part of our long-term strategy. MXI uses blockchain as a connector and efficiency layer, helping unify global financial systems that have historically been fragmented across regions, currencies, and institutions.

As MXI continues to evolve, the platform is actively developing new blockchain-enabled capabilities, including:

Institutional-grade DeFi tools
A privacy-preserving transaction layer
A self-custody wallet powered by the XRP Ledger (XRPL)
Advanced cross-chain interoperability and settlement options
MXI sits at the intersection of traditional finance and Web3, combining the reliability of regulated banking infrastructure with the innovation and efficiency of decentralized networks.

The result is a platform designed to deliver greater access, faster settlement, enhanced transparency, and more control—all while remaining intuitive and compliant.

Yes. Businesses can access multi-currency accounts, cross-border rails, stablecoin treasury tools, and fast settlement mechanisms.

MXI is ideal for startups, SMEs, global freelancers, Web3 companies, and international operations.