Web3 Financial OS
A modular, compliant digital asset infrastructure for the future of finance.
Built for banks, fintechs, gaming studios, AI-agents.
A single platform to launch wallets, issue cards, automate compliance, tokenize assets, move money - in months, not years.
Wallets
Custodial & non-custodial with liquidity
Cards
PCI DSS crypto cards with issuing & acquiring
Compliance
XONO ID, Face ID login, shared KYC, real-time AML
Tokenization
On-chain digital assets tokenization engine
Treasury
Matching engine, real-time pricing, liquidity routing
Payments
Fiat, crypto, stablecoin payment processing engine
Start building your digital assets Core with Experts
FLEXIBLE
DEPLOYMENT
OPTIONS
Seamless integration
Our flexible infrastructure lets you integrate only the modules you need based on your current systems. Leave a request, our expert team will help you to find the best setup.
Each XONO implementation unlocks innovation, new audiences, and a real business impact.
Project with the world undisputed boxing champion - Oleksandr Usyk - a virtual crypto card in Telegram
Licensed Web3 wallet offering fiat/ stablecoins/ crypto payments services for more than 100k customers in EU
A leading gaming studio integrated wallets for players for tokens exchange on the marketplace
Our legal team monitors global changes and leads licensing efforts across key jurisdictions.
15+ licenses and certifications — active and currently in-progress applications
EU VASP
Asset Management
(Estonia)
EU EMI
(Cyprus)
EMI, DLT
(Gibraltar)
Principal
Member
MSB
(US)
MiCA
(in progress)
DORA
(in progress)
EU, UK, US
XONO is securing licenses across EU, UK, US - to meet the highest compliance standards.
Everything you need to know about regulation
GLOBAL
REGULATORY
RESEARCH
Your Guide to Regulation in 50+ Countries
To support partners and clients navigating this complex landscape, our team has compiled an in-depth regulatory research report covering 50+ countries.
We’re engineering a financial OS with banking-grade discipline. Our team includes professionals from leading banks, global fintechs, top payment networks, and major tech corporations.
Alex Pavlov
Founder, CEO
Built Kauri Finance, Forbes nominate 40 under 40 in blockchain
Olha Pavlova
Co-Founder, Head of Treasury
10+ years treasurer in top 5 UA bank
Aram Minasyan
Chairman
Licensed Compliance officer & auditor in KPMG and Coca-Cola USA
Alexej Kruglov
Head of Partnerships & Licensing (EU, UK)
12+ years in banking. Ex-Latvia’s top private bank
Mykola Chernyavskyi
CTO
15+ years experience in CTO positions in top UA banks. CEO of Kauri One
Dmitriy Kuzmin
Chief Product Officer
20 years experience in banks and fintech, led IT at UA National bank
Alexandra Chebotareva
CMO
20 years experience in Tech, ex-Microsoft Central & Eastern Europe
Jelena Zolotenko
MLRO
14+ years of experience in brokerage, crypto projects and risk management
Kostyantyn Gerasymenko
Head of Processing Center
20+ years in fintech and payments, led commercial payment solutions at Visa
Valentyn Serdiuk
eCommerce Solution Architect
10+ years as a Solution Architect in top UA and EU banks incl Raiffeisen Group
Developers
Team
Operational
Team
Whether you're a bank, fintech, or platform expanding into digital assets, XONO gives you the infrastructure to move fast, stay compliant, and scale with confidence.
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