For individuals

Your money, any currency.

A single account that holds six currencies, exchanges at 0.1% flat, and lets you pay at merchants without needing a bank account in every country.

0.1% flat fee Funds held in trust No seed phrases
Step 1

Top up in minutes

Add money to your MeshFX wallet using a debit card or bank transfer. Your balance is held 1:1 in a regulated trust account, fully separated from MeshFX's own funds.

  • Debit card or bank transfer
  • Balance credited instantly
  • 1:1 backed — always redeemable
  • No minimum deposit
You deposited
SGD 1,000.00
mSGD
1,000.00 mSGD
Credited instantly · Held in trust
Step 2

Exchange at a flat 0.1%

Swap between any of your currencies at real market rates. There's no hidden spread, no peak-hour premium, and no variable commission. The fee is always 0.1% and you see it before you confirm.

  • Real mid-market rate
  • 0.1% flat fee, shown upfront
  • Settles in under 2 seconds
  • SGD, USD, EUR, GBP, JPY, Gold
Exchange preview
You send
mSGD
SGD
500.00
1 SGD = 0.7419 USD
You receive
mUSD
USD
370.45
Fee: SGD 0.50 · 0.1% flat ⚡ Instant
Step 3

Pay merchants with your digital cash

At participating merchants, scan the QR code and pay in whichever currency you hold. MeshFX converts and settles the merchant in their local currency instantly. No extra steps on your end.

  • Scan a QR code to pay
  • Pay in any currency you hold
  • Merchant receives local currency
  • Transaction confirms in under 2 seconds
How a payment works
1
You scan merchant QR code
Open MeshFX, point, tap confirm
2
MeshFX converts at 0.1%
Your currency → merchant's local currency
3
Merchant receives local fiat
Settled instantly, no waiting
Security

Your funds, under your control only

No one can move your money without your approval. That includes us.

No seed phrases

Your account is protected by a passphrase you set. No 24-word recovery phrase to write down, store safely, or mistype.

Keys stay on your device

Your private key is stored on your phone. The app sends signed commitments to the network. Nothing sensitive is ever transmitted.

Funds held in trust

Your deposits sit in a segregated trust account at a regulated financial institution. They are never mixed with MeshFX's operating capital.

1:1 redemption, always

mSGD will always be worth exactly 1 Singapore Dollar. Our digital currencies hold exactly their stated value.

Supported currencies

Six currencies, one wallet

All MeshFX currencies are backed 1:1 by real fiat or physical gold, held in a regulated trust. You can always redeem the full face value.

mSGD
SGD
Singapore Dollar
1:1 fiat backed
mUSD
USD
US Dollar
1:1 fiat backed
mEUR
EUR
Euro
1:1 fiat backed
mGBP
GBP
British Pound
1:1 fiat backed
mJPY
JPY
Japanese Yen
1:1 fiat backed
mGLD
GLD
Digital Gold
1 gram fine gold per unit
Early access

Ready to get started?

MeshFX is in pre-launch. Drop us a message to join the early access programme.