How it works

How money enters and leaves your Borderless Account, and how Noxpay keeps track of it all.

The basic idea

Your Borderless Account works like a ledger — every time money comes in or goes out, Noxpay records it as an entry: what happened, how much, in which currency, and when. Your balance at any given moment is simply the sum of all those entries.

Unlike a traditional bank, this ledger is always available, always up to date, and every entry is traceable back to its origin.

How money comes in

There are three ways funds arrive in your account:

Via Crossramp Checkout — A client of yours pays a PIX link you generated. Noxpay receives their Reais, converts the amount to crypto (USDC or USDT) at the current rate, and credits your account. The conversion happens automatically — by the time you see the notification, the money is already in crypto.

Via direct crypto transfer — Someone sends USDC, USDT, or BTC directly to your Noxpay deposit address — a unique crypto address that belongs to your account. Once the transfer is confirmed on the blockchain (usually within a few minutes), the balance appears in your account.

Via a Ramp transaction — If you are using Noxpay’s Ramp infrastructure to serve your own users, the proceeds from onramp transactions settle into your account automatically.

How money goes out

Withdrawals — You initiate a withdrawal to send funds out. You can send to a crypto wallet or a bank account. All destinations must be pre-approved in your whitelist before you can send to them.

Exchanges — When you convert between currencies inside your account, the balance in the source currency decreases and the balance in the target currency increases. Nothing actually leaves your account — it is just a rebalancing.

Offramp transactions — If you use Noxpay to power offramp flows for your users (stablecoin → fiat disbursement), the stablecoin is deducted from your account balance when the transaction settles.

How Noxpay keeps your funds organised

Noxpay keeps separate balances for each currency. Your USDT and USDC balances are tracked independently. You always know exactly how much you hold in each.

Within each currency, Noxpay also distinguishes between what is available (ready to use) and what is locked (reserved for a transaction in progress). For example, when you initiate a withdrawal, the amount is locked until the transfer is confirmed — so your available balance always reflects what you can actually use right now.

You can see a full breakdown of every entry in your account under the Statement section. If you ever want to understand why your balance changed, the statement tells the full story.