Businesses and individuals that pass our onboarding checks. Typical clients include cross-border businesses, marketplaces, affiliate and creator platforms, and individuals who send or receive money internationally. Access is subject to eligibility, jurisdiction, and compliance review.

What types of customers do you support?

Both legal entities (companies, partnerships) and natural persons. Some higher-risk sectors are supported case-by-case with enhanced due diligence; others are not supported. See our restricted jurisdictions and industries page.

What can I use Nudl for?

Mass payouts to affiliates, partners and suppliers; cross-border settlement; multi-currency collection; transparent FX; and cross-border local-currency delivery.

No. Nudl is not a bank or neobank and does not hold a Swiss banking licence. Nudl is a regulated financial intermediary that provides payment orchestration and AML/compliance services over regulated partner institutions.

Yes. Nudl operates through Quixo AG, a member of the VQF Self-Regulatory Organisation (No. 101241), under the Swiss Anti-Money Laundering Act.

What do I need to open an account?

Start with a 2-minute application, no documents required. If we can support you, onboarding requires KYC/KYB: identity documents, proof of address, company documents and beneficial-ownership details, and source-of-funds information.

How long does onboarding take?

We confirm whether we can support your business within one business day. Full activation follows once verification is complete.

Do you work with high-risk industries?

Some, with enhanced due diligence and case-by-case review. Certain industries and jurisdictions are not supported for regulatory or sanctions reasons. See our restricted use page.

Which currencies and rails do you support?

Send and receive EUR, GBP, USD and CHF through one platform. Pay out internationally in local currency over rails including SEPA, SEPA Instant, Faster Payments, and SWIFT.

How fast are payments?

It depends on the rail. Instant schemes (SEPA Instant, Faster Payments) settle in seconds to minutes; other rails follow standard scheme cut-off times.

Are there fees and limits?

Fees follow the schedule agreed at onboarding, with transparent FX and no hidden spread. Transaction limits are set per account based on your risk profile and activity.

Where are client funds held?

Client funds are held with regulated third-party financial institutions in accounts separate from Nudl's own assets. Funds are accepted for settlement only, are not invested or lent, and are not covered by Swiss deposit insurance.

How do you keep my data secure?

Data is encrypted and hosted in Switzerland. All accounts are subject to KYC/KYB verification before activation, and enhanced due diligence is applied where risk classification requires it.

Why do banks close crypto, iGaming and creator business accounts?

Usually not because the activity is illegal. These sectors score as higher-risk under anti-money-laundering rules and need enhanced due diligence that most banks are not set up to provide, so they decline the whole category instead of reviewing each business individually.

Does a high-risk classification mean my business is illegal?

No. High-risk is a compliance scoring category, not a judgement about legality. It means a provider must apply extra checks, such as source-of-funds review and sanctions screening, before and during the relationship.

What is source of funds and why do you ask for it?

Source of funds is evidence of where the money entering your account comes from, such as platform payout statements, client invoices or contracts. Providers are legally required to understand it, and unclear source of funds is the most common reason applications stall.

What is enhanced due diligence?

Enhanced due diligence is the additional verification applied to higher-risk business relationships: a closer review of source of funds, confirmation of beneficial ownership, and sanctions and politically-exposed-person screening before onboarding completes.

How is my identity verified during onboarding?

Identity is verified to Swiss standards under FINMA Circular 2016/7, by live video session or online identification. Online identification uses an ID document scan plus either a small transfer from an account in your own name or a biometric passport-chip scan, with address confirmed by a utility bill or geolocation check.

Does Nudl issue payment cards?

No. Nudl does not currently offer physical or virtual cards. Nudl provides multi-currency payment accounts, transparent FX, and cross-border payouts over bank rails.

Does Nudl support cash deposits or ATM services?

No. Nudl is fully digital and does not handle cash, cash top-ups, or ATM withdrawals. Money enters and leaves accounts only by bank transfer over regulated rails such as SEPA, SEPA Instant, Faster Payments, and SWIFT.

How to pay international affiliates and partners at scale

Paying one supplier is easy. Paying two hundred affiliates across thirty countries, in a dozen currencies, on time, every month, is a different problem. It is where growing platforms, affiliate networks and creator agencies lose the most time and money.

Here is what to look for in a payout setup, and where the compliance piece quietly decides everything.

What makes mass payouts hard

Three things compound at once:

Rails: each country settles differently (SEPA in Europe, Faster Payments in the UK, SWIFT for the rest). One rail does not reach everyone.
Currency: paying euros to an EU affiliate and pounds to a UK one from a single dollar balance means FX on every payment, and hidden spread eats your margin.
Volume: a hundred separate transfers is a hundred chances for a failed payment, a wrong detail, or a compliance hold.

What a good payout setup looks like

The businesses that pay cleanly at scale share a few things:

One multi-currency account instead of five providers, so euros, pounds, dollars and francs live in one place
Named rails, so each payee gets paid the local way (SEPA, SEPA Instant, Faster Payments, SWIFT)
Transparent FX with no hidden spread, so you know the cost of each conversion
Batch payouts, so two hundred payments go out as one instruction, not two hundred

The part people underestimate: compliance

Mass payouts to affiliates, creators or partners are exactly the flow that makes a bank nervous. Many outbound payments to individuals in many countries looks, to a monitoring system, like something to investigate. That is why affiliate and creator platforms get accounts frozen mid-payout.

A provider built for this runs the compliance itself: it expects the payout pattern, has done the KYB, and reviews the business as a whole instead of flagging each payment. For higher-risk verticals such as iGaming, affiliate and creator platforms that review is enhanced and case by case, but it is the thing that keeps the payouts flowing.

How this works at Nudl

Nudl is operated by Quixo AG, a Swiss financial intermediary affiliated with the SRO VQF (member No. 101241) under the Swiss Anti-Money Laundering Act, verifiable in the VQF public register. Nudl is not a bank; client funds are held with regulated partner institutions, separate from Nudl's own assets.

One account holds EUR, GBP, USD and CHF, with mass payouts over SEPA, SEPA Instant, Faster Payments and SWIFT, and transparent FX. Affiliate, creator and other higher-risk platforms are reviewed case by case with enhanced due diligence, and acceptance is never guaranteed. The application takes about two minutes and gets an answer within one business day.