About YOB Pay
YOB Pay is a licensed digital finance platform under the NEXA Group, delivering secure, compliant, and borderless financial solutions for individuals, SMEs, and institutional clients. As a Canadian licensed fintech, YOB Pay merges traditional finance with modern digital asset technology, offering multi-currency IBAN accounts, virtual cards, FX exchange, and seamless crypto to fiat conversion, all within one powerful platform.
Built on transparency and innovation, YOB Pay operates under a full MSB Financial License in Canada, is GDPR compliant, and protected by bank grade security (TLS 1.3 encryption and real-time fraud detection). By integrating everyday finance with crypto services, YOB Pay empowers users to manage, send, and grow their assets confidently in a trusted, regulated, and future-ready financial environment.
YOB Pay Ecosystem
The YOB Pay ecosystem is part of the NEXA Group, which operates through three independent yet fully integrated platforms: YOB Pay, YOB Assets, and Tokera, each representing a core pillar of the digital financial system. Within this ecosystem, YOB Pay serves as the digital finance and payment gateway, providing multi-currency IBAN accounts, virtual cards, crypto wallets, and instant crypto to fiat conversions.
YOB Pay is seamlessly integrated with YOB Assets, focused on digital wealth and asset management, and Tokera, a platform for tokenizing real world assets and enabling fractional ownership. Connected through ITFire, the utility token that powers rewards, transactions, and interoperability across the NEXA ecosystem, YOB Pay bridges traditional finance, digital assets, and blockchain based investment opportunities, creating a unified, secure, and efficient financial infrastructure for the digital age.
Our Vision
Our vision is to become the world’s premier digital finance authority, seamlessly merging traditional finance with the limitless potential of digital assets. By equipping individuals and businesses with unified tools to manage, grow, and protect wealth across fiat and crypto markets, we unlock global opportunities, accelerate sustainable growth, and champion financial freedom for everyone, everywhere.
Our Mission
Our mission is to empower individuals and businesses with a seamless, innovative financial experience that unites traditional finance and the digital economy. Through a secure, fully licensed platform we provide unified access to digital assets and real world investments, giving clients the confidence to thrive in a rapidly evolving financial landscape. We remain committed to delivering cutting edge solutions including business and crypto accounts, FX exchange and advanced investment tools that fuel sustainable growth and lasting financial success.
Why Choose us?
Secure Payments
YOB Pay provides top-level protection for your card payments with 3D Secure, real-time app notifications, and the ability to instantly freeze cards, ensuring peace of mind and maximum security for every transaction.
Multi-Currency Support
YOB Pay allows you to link both virtual and physical cards to accounts in EUR, USD, GBP, PLN, CHF, CZK, HUF, or SEK, eliminating the worry of high currency conversion fees.
Crypto Operations
YOB Pay offers seamless integration with digital currencies, allowing you to easily manage, trade, and store crypto assets alongside your traditional currencies.