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 by Labuan FSA as a Payment System Operator. Headquartered in Labuan, Malaysia.
OUR MISSION
Make moving money across borders as predictable as moving data.
For decades, cross-border payments meant SWIFT wires, opaque fees, and 3-5 day settlement. We're building the platform that replaces all of it — starting in ASEAN and expanding globally, API-first and compliance-native from the ground up.
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 1,777 cases on every commit, version 263 database tables with Flyway, and never deploy money code without dual review.
Transparent pricing
Every fee disclosed up-front, line by line. 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.
TIMELINE
How we got here, and where we are heading.
Public, factual milestones from incorporation to Labuan FSA approval. Future-dated items are clearly marked as targets and updated as they land.
- 2025COMPANY
Kaadxpay founded
The founders began building Kaadxpay, a cross-border payment orchestration platform for ASEAN.
- 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.
- 2026-01-20REGULATION
Conditional approval issued
LFSA issued its conditional approval for Kaadxpay to carry on business as a Payment System Operator, with conditions to be met before the approval to operate.
- 2026-02-12COMPANY
Kaadxpay Financial Solutions Pty. Ltd. incorporated
Incorporated in Labuan, Malaysia under the Labuan Companies Act 1990.
- 2026-04PRODUCT
Public corporate website launched
www.kaadxpay.com brought online with full bilingual content, transparent regulatory disclosure and bilingual contact forms.
- 2026-07-22REGULATION
Approval to operate granted
After every condition of the conditional approval was met, LFSA granted approval to operate as a Payment System Operator under Section 171 of the Labuan Financial Services and Securities Act 2010.
- 2026-10-06REGULATION
Cleared to commence operations
LFSA confirmed it has no objection to Kaadxpay commencing its payment system business, effective 6 October 2026.
- 2026-Q4CORRIDORS
Target: first ASEAN corridors live
Phase-1 ASEAN foundation: opening collections + payouts on the first batch of corridors.
OFFICES
Where the team works.
Headquarters is our business office in Labuan. Other offices are operating offices of the same entity and are not separately licensed.
- 🇲🇾Operational
Labuan, Malaysia
Headquarters · Labuan business office
Office 3, Unit F7, 1st FloorParagon Labuan, Jalan Tun Mustapha87000 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.