One Exchange Layer. Every Border. Every Rail.
Forteex unifies payments, link transfers, and the world's first subscription credit wallet — built on stablecoin rails for the globe.
The Problem
Payments work. Subscriptions don't.
Especially in emerging markets. The rails exist — but nobody built the exchange layer on top. Until now.
Dollar Card Friction
Millions across Africa cannot subscribe to Netflix, Spotify, or Claude — blocked by a lack of internationally accepted payment cards.
Scattered Subscriptions
Users manage 5–10 subscriptions across separate apps, billing dates, and currencies. No unified view. No control.
P2P Friction
Sending money means exchanging bank details, downloading matching apps, or relying on cash. Every transfer is a UX problem.
Zero Portability
Cancel a subscription and the money is gone. Switch services and you start from zero. Value does not travel with the user.
Current state of rails
Result: Businesses integrate 5–8 providers separately and need a 3+ person ops team just to manage payment failures.
The Solution
Three layers. One platform.
Forteex is not a payment gateway. It is the routing brain above all gateways — connecting every rail, optimising every transaction, settling through the fastest path available.
The Base
Payments
Send, receive, pay bills, cross-border transfers. The foundation that gets users in the door and keeps money moving.
- Cross-border transfers
- Bill payments
- Instant P2P
- Multi-currency
Viral Growth
Link Transfers
Send money via URL. Recipient clicks, enters bank details, receives — no app, no signup. Every link is free marketing.
- No app required
- 72hr expiry
- KYC on sender
- WhatsApp / SMS / X
The Moat
Subscription Credits
Buy once. Use one code across any supported service. Pause, reallocate, cancel — from one dashboard. Nobody else does this.
- Unified wallet
- Credit reallocation
- Partner SDK
- Cardless access
Web3 Layer
On-chain settlement. Borderless subscriptions.
Forteex is chain-agnostic by design. The same exchange layer that settles over traditional rails can settle on-chain — same UX, same API, regardless of the underlying network.
Stablecoin Settlement
Cross-border transfers settle in USDC/USDT on-chain. No correspondent banking. No 3-day delays.
Tokenized Credits
Subscription credits exist as on-chain prepaid tokens — tradeable, transferable, smart-contract-enforced.
Link Escrow Contracts
Each payment link creates a time-locked escrow smart contract. Automated refunds. Full transparency.
For Builders
An SDK that does the heavy lifting.
Integrate the Forteex SDK to accept subscription credits as payment, unlock cardless users across Africa, and settle in your preferred currency or stablecoin.
- Accept subscription credits as payment
- Reach users with no international cards
- Settle in NGN, USD, USDC, or USDT
- Full compliance + KYC out of the box
import { Forteex } from "@forteex/sdk";
const fx = new Forteex({ apiKey: process.env.FORTEEX_KEY });
// Route a cross-border payment
const payment = await fx.payments.create({
amount: 50_00,
currency: "USD",
to: "recipient@example.com",
method: "auto", // Forteex picks the fastest rail
});
// payment.rail → "mobile_money"
// payment.settled → "1.4s"
// payment.status → "success"
// Generate a payment link — no app required
const link = await fx.links.create({
amount: 45000,
currency: "NGN",
expiresIn: "72h",
});
// Share via WhatsApp, SMS, or anywhere
console.log(link.url);Early Access
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