Regulatory Sandbox · live test
Kudix moves money between the UK and Nigeria at the real mid-market rate, with zero transfer fees, and reaches every recipient, from a London smartphone to a feature phone in Kano.
£0.0B+
UK–Nigeria corridor volume
0K+
Users targeted by Year 3
0%
Transfer fees, always
0s
Median delivery time
Pricing you can verify
Most providers hide their profit inside the exchange rate. We publish ours: the live mid-market rate, minus a 0.4% margin, and nothing else. Ever.
Mid-market rate
₦1,957.83
The interbank rate, straight from the market. Check it anywhere.
Our margin, 0.4%
− ₦7.83
Our entire revenue on the transfer, printed on every receipt.
Your recipient gets
₦1,950.00
Per pound, delivered. No transfer fee, no receiving fee, no surprises.
One account, every rail
Send GBP to NGN at the real mid-market rate. Our only charge is a transparent 0.4% FX margin, shown on every transfer before you confirm.
Hold GBP, NGN, USD and EUR side by side. Convert between them in one tap at rates you can verify against the market.
A metal card for the real world, unlimited virtual cards for the internet, and single-use disposable numbers for sites you do not fully trust.
Recipients without smartphones dial *919# to check balances and cash out at agents. Financial access should not require an app store.
Send to tunde.kudix or a phone number instead of a 16-digit account or a wallet address. Free username for every customer.
Show your code to get paid; scan theirs to pay. The recipient, amount and reference fill in automatically, and you still review before sending.
Real-time portfolio and spending insight, statement downloads for visas and mortgages, and rate alerts on your corridor.
Biometric sign-in, device attestation, one active session per platform, and a liveness check before any high-value transfer.
From London to Lagos
Two minutes with your phone number and ID. Progressive verification: start small, upgrade limits as you need them.
Top up by bank transfer or card into your GBP wallet, or receive from any Kudix user by name, number or QR.
£1 buys ₦1,950.00 today: the mid-market rate minus our disclosed 0.4% margin. Nothing hidden in the price.
Instant to a Kudix wallet, minutes to any Nigerian bank, or same-day cash at an agent via *919# with no smartphone needed.
Nine jurisdictions
Every corridor settles on the domestic payment rail your recipient's bank already trusts, supervised under the regulatory framework of each jurisdiction.
Start with the UK–Nigeria corridorUnited Kingdom
GBP · Faster Payments
Nigeria
NGN · NIP + *919# agents
United States
USD · ACH / Fedwire
European Union
EUR · SEPA Instant
UAE
AED · UAEFTS / IPP
Pakistan
PKR · Raast
Singapore
SGD · FAST / PayNow
Switzerland
CHF · SIC
Qatar
QAR · QATCH
Enterprise-grade by design
Kudix was engineered for supervision from day one: safeguarded customer funds, a tamper-evident audit chain, and a dedicated regulator console with real-time visibility into stablecoin flows across all nine jurisdictions.
Every customer pound is held with an authorised credit institution and reconciled daily. Your money is never on our balance sheet.
An append-only, hash-chained audit trail records every conversion, control change and case action. Regulators get scoped, read-only visibility.
Payments run in Kudix Payments Ltd; digital assets in Kudix Digital Assets Ltd, with their own terms and risk disclosures. A crypto pause never touches your payments.
Attested devices only, screenshot and screen-recording blocking, call-guard against social engineering, and instant remote sign-out for lost phones.
Free account. No monthly fee. £1 = ₦1,950.00 at today's rate, delivered in seconds.