We’ve revealed a brand new litepaper detailing what Wirex is in 2026, how the enterprise monetises it, and the place we’re going subsequent.
It outlines our imaginative and prescient to construct essentially the most complete, superior monetary stack for customers and companies, supporting the subsequent era of worldwide funds and settlement. It additionally proclaims Wirex One, a stablecoin-powered client finance app that brings prompt onchain funds, true possession, and privacy-preserving monetary transactions to each
day customers. As stablecoin adoption accelerates, the {industry} wants infrastructure that may scale with it.
Why the World Wants Stablecoin Infrastructure
Wirex’s CEO, Pavel Matveev, mentioned: “The standard monetary system wants updating: liquidity is fragmented, transactions are inefficient, and thousands and thousands of individuals are locked out of it. Stablecoins and onchain settlement are altering this.”
In line with a current Morph report, they already facilitate $33 trillion in annual transaction quantity — greater than Visa and Mastercard mixed — with over 70% of that exercise coming from real-world funds, payroll and B2B settlement.
As fintech, crypto, and AI converge, a brand new era of cost and banking merchandise has emerged, powered by stablecoins, settling onchain, serving billions. Customers are demanding infrastructure that sits because the centre of those industries, offering straightforward, prompt and international entry to the advantages of stablecoins.
Wirex’s Onchain, Chain-Agnostic Structure
Wirex has spent greater than a decade constructing for this second. With 7 million customers throughout 100+ nations, $20 billion processed, and principal membership with Visa and Mastercard, the corporate already operates at a world scale.
The litepaper introduces Wirex’s stablecoin structure, a settlement layer not tied to any single chain, designed to work throughout a number of networks as the ecosystem evolves and scales. That signifies that each new chain is new potential companion, not a competitor.
This structure underpins a unified, end-to-end monetary stack enabling companies and customers to embed stablecoin‑primarily based accounts, playing cards, funds, and yield into their merchandise or every day lives.
The Wirex Ecosystem: A Unified Monetary Stack
The litepaper outlines how Wirex’s structure powers a set of merchandise:
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Wirex BaaS: the quickest‑rising stablecoin infrastructure supplier
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Wirex Enterprise: stablecoin‑powered accounts and settlement rails
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Wirex Personal: premium onchain monetary companies
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Wirex Brokers: international distribution and liquidity companions
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Wirex One: a brand new stablecoin‑powered, client neobank-style expertise (coming quickly)
Introducing Wirex One
The litepaper additionally introduces Wirex One, which mixes an unparalleled, neobank-style consumer expertise, with a totally onchain design. It’s supported by a novel institutional-grade expertise stack: Circle’s Arc – a stablecoin-optimised Layer 1 blockchain on which Wirex goals to be an early app – and Privy, the industry-leading non-custodial pockets supplier. This offers customers direct possession over belongings, enterprise-grade safety, prompt settlement, and transaction privateness, with out seed phrases or the complexity of present onchain crypto wallets.
The app will provide a breadth of performance not usually accessible in any single app right now, with premium banking-style options not like different non-custodial experiences.
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As much as 8% cashback in USD
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4–6% APY on stablecoins and crypto
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Crypto, tokenised equities (24/7), perpetuals as much as 5x
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Zero-fee all the pieces: interbank FX at 0% markup, free international ATM, multi-currency accounts
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Asset-backed credit score with no credit score examine
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True possession through onchain wallets: no seed phrases, no key administration
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Rewards are immediately spendable utilizing Wirex’s crypto-enabled card, avoiding the volatility and lock-ups related to competitor token-based cashback programmes
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Coming quickly: tokenised equities and perpetual buying and selling shortly after launch
The present Wirex app, sitting on centralised infrastructure, has served thousands and thousands of consumers with crypto-alternative banking merchandise for practically a decade. Wirex One takes this one-step additional, providing on a regular basis customers a stablecoin-powered, solely onchain monetary expertise with higher perks, economics, and management.
Why Privateness and Management Matter
Pavel Matveev, Wirex’s CEO, explains: “Most platforms bolt stablecoins onto legacy structure, creating friction and limiting what customers can do. Our method is totally different: we’re constructing a totally onchain monetary system from the bottom up.
As regulatory oversight will increase and counterparty danger turns into a rising concern, customers want infrastructure that protects their autonomy. A layer of privateness for transactions and true possession of belongings are important to making sure individuals can retain the advantages of decentralised expertise.
Our litepaper outlines how we’re constructing the infrastructure required for this shift – solidifying our aim to change into a monetary tremendous app.”
Learn the Litepaper
The litepaper marks the start of a brand new part for Wirex. Over the approaching weeks, Wirex will launch Wirex One, with full particulars to be introduced at launch.
When you have any questions, suggestions, or partnership enquiries, electronic mail: good day@wirexapp.com
