Initial focus
Merchant QR
QR acceptance abroad
American customers scan local merchant QR codes abroad while payment flows are coordinated through US-side and destination-country partners.
ProductsInitial focus: QR and cards
Corridor products for local payment acceptance abroad.
Twynex starts where local acceptance is visible, frequent, and operationally hard: QR payments abroad and partner-led cards for international business use.
Service modules
Modular payment experiences, coordinated through one partner-led orchestration model.
Initial focus
Travel card
Travel and business cards
Partner-led card products for international travel, reporting, and local use, starting with India and Malaysia.
Planned module
Bills
Bill payments abroad
US-side account relationships connected to local household, utility, education, healthcare, or recurring obligations abroad.
Configurable
Wallets
Wallet acceptance
Local wallet and merchant payment experiences configured around country-specific rails and partner operating models.
Configurable
Transit
Transit and NFC
Virtual card and transit-oriented payment experiences for local movement and daily-use moments abroad.
Partner-led
Merchants
Merchant acceptance
Destination-country merchant acceptance and acquiring workflows supported through local regulated partners.
Initial focus
Start with concrete payment moments, then expand by rail and country.
Target Q4 2026
Cross-border QR payments
An American customer scans a local QR code abroad
The customer starts from a familiar US-side payment relationship, while the merchant receives through destination-country rails.
Target Q1 2027
Local cards for business travelers
Initial markets: India and Malaysia
Card products for international travel and business use, designed around partner distribution, reporting, and corridor-specific operations.
Partner-led launches