Rox Network
An own-brand domestic card scheme and switch: tap-to-pay NFC cards and phones, SoftPOS and store POS, e-commerce checkout, and network tokenization, with T+0 settlement on chain and no dependency on international card schemes.
TAP-TO-PAY · OWN SCHEME
T+0
Settlement on chain
0
Dependencies on international card schemes
0 ms
Added to authorization by fraud scoring
90 days
Behavioural baseline behind every card
A country's own card network, end to end
Rox Network is a complete domestic card scheme and switch: the scheme is the rulebook and brand of a card network, and the switch is the machinery that routes each payment to the right bank in real time. It hands the economics, the rules, and the transaction data of domestic payments back to the market that runs them.
Acceptance covers every way people pay: tap-to-pay, SoftPOS that turns an ordinary merchant phone into a terminal, a store POS suite, and hosted e-commerce checkout, with every transaction settling T+0 on chain. A market can go from no domestic scheme to cards working in shops, on phones, and online, on one platform.
The economics stay home too. Interchange and merchant fees are computed by the scheme's own economics engine, so the pricing of the national payment system is set domestically, on domestic terms. And because no foreign settlement infrastructure sits in the loop, there is no multi-day clearing cycle waiting behind the authorization.
How Rox Network flows
Banks issue cards under the domestic brand
Banks issue NFC and phone-based cards under the network's brand.
Merchants accept everywhere, with or without hardware
Every acceptance channel, from card machine to online checkout, joins one network.
The switch routes, scores, and prices each payment
The switch routes, fraud-scores, and prices every payment in real time.
Settlement is final on chain at T+0
Funds reach final positions on chain the same moment.
The problems it solves
Domestic payments run on someone else's rails
01When every local card transaction routes through international card schemes, the fees, the rules, and the data leave the country with it. An own-brand scheme keeps the economics and the transaction data at home.
Card acceptance is expensive to roll out
02Traditional terminals cost money to buy, deploy, and maintain, which keeps small merchants cash-only. SoftPOS turns the phone a merchant already owns into the terminal, so acceptance spreads at the speed of an app download.
Settlement takes days and ties up money
03Conventional card networks clear in batches and settle days later, leaving merchants waiting for funds and banks carrying exposure in between. On-chain settlement makes every payment final at T+0.
Stolen card numbers keep working
04When one real card number is used everywhere, a single leak exposes every future payment. Network tokenization replaces it with per-merchant stand-in numbers, so a breach at one merchant is worthless everywhere else.
Inside Rox Network
A closer look at what each part of Rox Network does for you.
Acceptance everywhere
Every way a customer can pay and a merchant can accept, in-store, on a phone, and online, on one network.
- Tap-to-pay with NFC cards and phones, plus QR fallback where NFC is unavailable
- SoftPOS: the merchant's phone becomes the terminal
- Store POS suite with receipts, baskets, and returns
Scheme, switch, and economics
The rulebook and the routing machinery of a card network, with the fee model in the operator's hands instead of a foreign scheme's.
- Real-time switch routing between issuers and acquirers
- Interchange engine with operator-set rules
- Merchant discount rate configuration per merchant
Security and network tokenization
Real card numbers never travel: payments carry stand-in credentials that are useless anywhere but where they belong.
- Network tokenization: per-merchant stand-in card numbers (DPANs)
- One-time cryptograms on every transaction
- Leaked credentials are worthless at any other merchant
Fraud defense in the switch
A three-layer engine that knows each cardholder's normal, scores every payment inline, and explains its verdicts in plain language.
- Rolling 90-day behavioural baseline with sub-millisecond inline scoring, 0 ms added to authorization
- Asynchronous AI review with plain-language reasons
- One-tap 'Was this you?' freeze and recovery flow
T+0 settlement on chain
Clearing and settlement collapse into the payment itself, on a ledger the operating institution governs.
- Final settlement the moment a payment completes
- No batch files or multi-day clearing cycles
- Merchant funds available immediately
Operator console
The scheme operator runs the network from one place: rules, risk, and economics, all tunable without a release.
- Risk thresholds and scoring weights tunable per bank
- Fee plans per merchant and per segment
- Fraud review queue with plain-language case summaries
Fraud detection that knows every cardholder by habit
Rules catch known patterns. The engine learns each cardholder's normal, what they spend, where, and when, then escalates in three layers, without adding a single millisecond to the payment.
THE "WAS THIS YOU?" FLOW
We paused a payment. $4,800 at an electronics merchant looked unusual for this card. Was this you?
0 ms
Added to the authorization path
90 days
Behavioural baseline per card
1 tap
Replaces the fraud hotline, both directions
100%
AI verdicts written in plain English, fully audited
How Rox Network works
Banks issue cards under the domestic brand
Participating banks issue physical NFC cards and phone-based cards under the network's own brand, with lifecycle, limits, and controls managed on the platform.
Merchants accept everywhere, with or without hardware
Payments arrive from a tap on a card machine, a merchant's own phone running SoftPOS, a sale on the store POS, or the online checkout gateway. Every channel enters the same network.
The switch routes, scores, and prices each payment
The transaction is routed to the issuing bank and simultaneously scored against the cardholder's own behavioural baseline in under a millisecond, approving, stepping up, or declining without slowing the payment. In the same flow, interchange, the fee paid between banks, and the merchant discount rate are computed per transaction by rules the scheme operator sets and can tune.
Settlement is final on chain at T+0
Funds move to their final positions on the chain the same moment, so merchants are paid, banks are square, and there is no clearing backlog to reconcile.
Beyond the point solutions
International schemes take the economics and set the rules. Rox Network gives a market its own scheme: domestic interchange, domestic data, T+0 chain settlement, and card economics structured on your terms.
They stop here. Rox continues.
Rox Banking
Rox Chain
Rox ClearRequest a Technical Briefing
See Rox Network in action.