FYNIX is built by operators who've moved money for real.
Two entities. Three continents. One thesis: cross-border payment infrastructure is broken for students, workers, and the families who fund them. FYNIX exists to fix it — through regulated partners, not around them.
Two entities, purpose-built for the corridors we serve
The FYNIX group is Fortex Technology LLC in Montana for the US MSB path, Fortex Technology Pte Ltd in Singapore for the APAC / MPI path, and Chennai as the engineering and operations base.
Fortex Technology LLC
Montana-incorporated entity anchoring the US MSB path, US-dollar rails, and the US-Mongolia corridor. Home base for US regulator-facing filings and sponsor-bank conversations.
Fortex Technology Pte Ltd
Singapore entity anchoring the APAC / MPI licensing path and integration with our APAC last-mile partner for MYR, SGD, INR, LKR and local instant-payment rails.
Chennai engineering hub
Product, backend platform, operations and support are anchored in Chennai — with a formal India GTM track pursuing PA-CB-I, GIFT City PSP, AD-II and sponsor-bank arrangements.
Named on every document. Accountable end-to-end.
Anand A M
Structures fintech-platform integrations, structured-finance arrangements and multi-stakeholder deals across our banking, payout and settlement partners. Operational lead on FYNIX corridor structuring and rails onboarding.
R M Kumar
Co-founder and strategic operating partner on FYNIX product, platform and market entry decisions — with joint accountability for compliance posture, corridor sequencing and investor materials.
Two tracks, one country
India is treated as a separate capitalisation. Track A pursues direct India licensing through an India SPV; Track B enters faster via an AD-I sponsor-bank model with white-label PA-CB rails and education-finance partners. Together they let FYNIX start revenue earlier while preserving the option to own regulated infrastructure.
India SPV · 12–24 months
PA-CB-I, GIFT City PSP, AD-II and sponsor-bank arrangements. Modelled around USD 2.95M deployed over 24 months plus INR 15 crore locked as regulatory capital.
AD-I sponsor-bank · 3–6 months
White-label PA-CB rails with education-finance partners. Launch in 3–6 months while de-risking the direct capital ask.
We're onboarding pilot partners now.
Banks, PSPs, universities, employers, agents. If you touch cross-border money for students or workers in our corridors, we should be talking.