Stablecoin ubiquity
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By solving the many-to-many network problem, achieving cash equivalence and aligning economic incentives, Ubyx will usher in the stablecoin epoch—they will become ubiquitous, general-purpose methods of digital payment.
The path to stablecoin ubiquity
What is Ubyx?
Ubyx is a clearing system that allows anyone, anywhere to deposit stablecoins from many issuers and multiple currencies into existing bank and fintech accounts and receive full value. Ubyx transforms stablecoins from crypto assets into digital cash equivalents, ensuring seamless redemption through regulated financial channels while preserving decentralization and peer-to-peer payments on many blockchains without intermediaries. For the first time, stablecoins meet the test for singleness of money.
How does Ubyx work?
People and businesses can receive stablecoins from many issuers into hosted wallets provided by their existing financial provider. The provider offers redemption at face value. This is achieved through a clearing system that enables collection of the full amount from many issuers, in many currencies. All the parties agree to the Ubyx rulebook, which ensures that issuers have the means available to process redemption requests from a mutualized acceptance network.
Who is Ubyx for?
For banks and fintechs
Enable your customers to receive stablecoins from many issuers, on many blockchains, in many currencies.
For Stablecoin Issuers
Access a common acceptance network and generate a new source of non-interest revenue.
For Businesses & Users
Accept and redeem stablecoins as seamlessly as fiat into your existing financial services account.
For the Crypto Community
Peer-to-peer payments without intermediaries in cash equivalent digital cash becomes reality.
Download the whitepaper
For Regulators & Central Banks
Incorporate stablecoins into the regulated financial system, achieve singleness of money and fight financial crime.
Why do we need Ubyx?
Ubyx aligns incentives across issuers, users, financial institutions, and regulators to drive exponential adoption. This is more than infrastructure—it’s the foundation for the stablecoin epoch, where stablecoins become trusted, universally accepted digital cash.
Ubyx is now
Stablecoins are poised to transcend crypto and enter the financial mainstream. Join the Ubyx movement and take a stake in the global stablecoin economy.
“In the age of paper payments, was there any financial institution that could not serve its customers’ needs for cash and cheques? In the era of financial messaging, was there a bank that could not make or receive electronic payments? In this time of cards, is there an institution on the planet that cannot issue debit or credit cards? So it shall be in the Stablecoin Epoch: every bank and non-bank financial institution will enable customers to receive stablecoins—from many issuers, in many currencies, across many public blockchains—and to pay with stablecoins, most likely self-issued. Those who choose not to participate will see their clients migrate to those who do. It has already begun”.
Tony McLaughlin