Zero-fee settlement on a chain we run ourselves. No card network. No processor fee. No old rails — just a payment moving, and proof it did.
Every card network and processor charges a fee on every transaction, without exception. It's not a flaw in their design — it's the business model. RichXPay runs on RichX Chain instead, a network we operate ourselves and write to continuously at zero marginal cost. The old rails were never going to give that up voluntarily. They didn't have to — until now.
RichXPay is the payments layer of that network, built directly into richxbank.com's ledger rather than as a separate system: one balance, one audit trail, permanently verifiable on-chain. Value enters and exits through real agents — people who take cash and credit a balance, or pay out cash against one. Between those two edges, transfers move in seconds and cost nothing.
An intelligence layer watches every transaction the way a fraud desk would — velocity, location, pattern — in real time, not in a weekly review. That's the actual advantage: a trust layer with no headcount cost, scaling the same at ten transactions a day or ten thousand.
Credited straight to the recipient's balance on richxbank.com.
Verifiable on richxscan.com, permanent, zero fee.
Cash against the balance, wherever the recipient is.
Every RichXPay transaction is evaluated for velocity, location mismatch, and unusual pattern the moment it happens — not weeks later in a chargeback report.
Every address below routes to a real inbox.
General enquiries
Business & partnerships
Customer support
Invoices, charges, refunds
Payment & transaction issues
KYC / AML and regulatory matters
Legal notices
GDPR & privacy requests
Security incidents
This policy explains what the operator of RichXPay ("we", "us", "our") collects when you use richxpay.io or richxbank.com, and why. It applies to visitors, account holders, and payment recipients alike.
Depending on how you use the platform, we may collect: contact details (name, email, phone), transaction data (amounts, timestamps, counterparties, on-chain references), device and log data (IP address, browser, access times), and — where an agent-based cash transaction requires it — identity information necessary to complete that transaction.
Where the General Data Protection Regulation (GDPR) applies, we process personal data on the basis of contract performance, legal obligation, and legitimate interest in preventing fraud and securing the platform.
Transaction records are retained as long as required for audit, dispute, and legal purposes. Account data is retained for as long as your account is active, and for a limited period afterward as required by law.
Where GDPR or equivalent law applies, you have the right to access, correct, delete, or export your personal data, and to object to certain processing. To exercise any of these rights, contact privacy@richxpay.io.
richxpay.io uses only the minimum technical cookies required to keep the site functioning. No third-party advertising trackers are used.
We may update this policy as the platform evolves. Material changes will be reflected on this page with an updated date above.
By using richxpay.io or accessing payment functionality through richxbank.com, you agree to the following terms.
RichXPay provides access to payment initiation, settlement, and payout functionality operated through richxbank.com's ledger and RichX Chain. The service is under active development and offered on an early-access basis; features, availability, and supported corridors may change without prior notice.
Settlement on RichX Chain carries no network fee. Where a transaction involves a third-party payment method (card, bank transfer), that provider's standard fees may apply and will be disclosed before you confirm the transaction.
You may not use RichXPay for money laundering, financing of illegal activity, or any transaction prohibited by applicable law. We reserve the right to suspend accounts or transactions under active fraud or compliance review.
The service is provided "as is" during this early-access period. To the maximum extent permitted by law, the operator is not liable for indirect or consequential losses arising from use of the platform.
These terms are governed by the laws of Austria, without prejudice to any mandatory consumer-protection rights you may have under the law of your country of residence.
Questions about these terms: legal@richxpay.io
RichXPay is a financial technology platform. It is not a bank, and it is not currently a licensed deposit-taking institution in any jurisdiction. RichXPay does not hold customer funds as deposits. Payment and settlement functionality is provided on this basis, through richxbank.com's ledger and RichX Chain's zero-fee settlement layer.
RichXPay is under active development. Transaction flows, supported corridors, and agent availability are being built and expanded incrementally. Nothing on this site is a guarantee of future features, timelines, or regulatory status.
Nothing on richxpay.io constitutes financial, legal, tax, or investment advice. You are responsible for your own due diligence before relying on any transaction routed through this platform.
We are actively working toward the appropriate licensing and compliance framework for the jurisdictions we operate in. Questions about our current regulatory status should be directed to compliance@richxpay.io.