Kaadxpay

We're building the cross-border payment platform that should already exist.

Founded by veterans of cross-border commerce, fintech engineering, and ASEAN regulation. Approved in principle by Labuan FSA. Headquartered in Kuala Lumpur.

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OUR MISSION

Make moving money across borders as predictable as moving data.

For decades, cross-border payments meant SWIFT wires, hidden FX margins, and 3-5 day settlement. We're building the platform that replaces all of it — starting in ASEAN, expanding globally, and one day bridging fiat and crypto under proper regulation.

OPERATING PRINCIPLES

How we build, day by day.

Regulation before scale

We sought our license before processing a dollar. Compliance can't be retrofitted; we treat it as the substrate, not a feature.

Engineering rigor

Money is software with consequences. We test 1,141 cases on every commit, version 236 database tables with Flyway, and never deploy money code without dual review.

Transparent pricing

Every fee disclosed up-front. Every FX margin shown alongside the interbank rate. The hidden-fee era is ending.

Long-horizon thinking

We're building for the next 20 years of cross-border commerce, not the next quarter. ASEAN today, Africa next, fiat-crypto bridging when the rules allow.

TIMELINE

How we got here, and where we are heading.

Public, factual milestones from incorporation through pre-licensure. Future-dated items are clearly marked as targets and updated as they land.

  1. 2025-08COMPANY

    Kaadxpay incorporated

    Kaadxpay Financial Solutions Pty. Ltd. incorporated in Labuan, Malaysia under the Labuan Companies Act 1990.

  2. 2025-10REGULATION

    PSO licence application filed

    Filed Payment System Operator (PSO) licence application with Labuan Financial Services Authority (LFSA) under section 171 of the Labuan Financial Services and Securities Act 2010.

  3. 2026-01-16REGULATION

    Approval-in-Principle granted

    LFSA granted Approval-in-Principle (AIP) for the PSO licence (ref LFSA.700-14/LFA/PS/25/2026 (3)) with six pre-licensure conditions to be satisfied before final issuance.

  4. 2026-04PRODUCT

    Public corporate website launched

    www.kaadxpay.com brought online with full bilingual content, transparent regulatory disclosure and bilingual contact forms.

  5. 2026-07REGULATION

    Target: PSO licence issuance

    Regulatory deadline (20 July 2026) for completing the six AIP conditions and LFSA verification visit. Service launch is conditional on final licence issuance.

  6. 2026-Q4CORRIDORS

    Target: first ASEAN corridors live

    Phase-1 ASEAN foundation: opening collections + payouts on the first batch of corridors after final licence issuance.

OFFICES

Where the team works.

Headquarters is the LFSA-registered office in Labuan. Other offices are operating offices of the same entity and are not separately licensed.

  • 🇲🇾Operational

    Labuan, Malaysia

    Headquarters · LFSA-registered office

    Lot A, Level 12, Main Office TowerFinancial Park Labuan87000 Labuan F.T., Malaysia
  • 🇲🇾Opening

    Kuala Lumpur, Malaysia

    Operations · BD · Engineering

    Address pending — operational team office
  • 🇸🇬Opening

    Singapore

    BD · Partnerships (representative)

    Address pending — representative office, not licensed locally

Want to know more?

Read about our regulation, security posture, or full three-phase roadmap.

Read regulationView roadmap