Send and receive EUR, GBP, USD and CHF through one platform. Pay out in local currency internationally, with transparent FX and Swiss compliance.
One application, one review, and your business is moving money on Swiss-regulated rails.
Tell us about your business in a short application. No documents required at this stage.
~2 minutesKYB review under Swiss AMLA by our compliance team. We confirm whether we can support your business.
1 business daySend, receive, and pay out internationally, from one dashboard.
EUR · GBP · USD · CHFAutomate payouts to affiliates, partners, and suppliers. Routed through regulated rails, including local methods, settled in local currency.
One platform, every rail. Don't see your corridor? Contact us
Send and receive EUR, GBP, USD, and CHF through one platform. Funds safeguarded with regulated banking partners.
Pay affiliates, partners, and suppliers at scale across regulated rails, with everything monitored in real time.
Reach international markets through SEPA, SEPA Instant, Faster Payments, and SWIFT.
Exchange between currencies at real-time, transparent rates. No surprises buried in the spread.
Operated under Swiss AMLA as a VQF SRO member. KYC/KYB on every account, enhanced due diligence where required.
A 2-minute application with no documents up front. We confirm whether we can support your business within one business day.
Pay in and out across the currencies you move, with instant FX and Swiss compliance.
Nudl orchestrates licensed partners so you do not have to assemble them yourself. One integration, a vetted network behind it.
EUR, GBP, USD, and CHF. One platform, one dashboard, Swiss-regulated.
Get StartedSwiss-regulated infrastructure, moving money for cross-border businesses.
Simplify your global finances with Swiss-trusted infrastructure. Early-bird registration is open.
Get StartedFor clients, partners, and press. We reply within one business day.
Nudl is the compliance and orchestration layer that moves money across borders, without the tangle.
Nudl gives businesses one platform to send, receive, and settle in EUR, GBP, USD, and CHF, with international payouts. We are a regulated financial intermediary, not a bank, and we orchestrate payments over regulated partner institutions.
Operated by Quixo AG (operating as NUDL) from Zürich, Nudl is a member of the Self-Regulatory Organisation (SRO) VQF under the Swiss Anti-Money Laundering Act, SRO membership no. 101241. Client funds are safeguarded with regulated third-party institutions.
Cross-border payments are slow, opaque, and tangled in intermediaries. We untangle them, with transparent FX, real local rails, and Swiss-grade compliance built in from day one.
Perspectives on cross-border payments, banking access, and Swiss compliance.
Why banks close creator and agency accounts, and how to keep a compliant paper trail.
Strategies for operating accounts and payments across several countries.
The financial and banking hurdles early-stage companies hit first.
The barriers that keep established businesses out of banking.
Banking · May 2026
Running a business across multiple countries brings huge opportunities, but it also creates one major challenge: banking.
Companies operating internationally must move money across borders, pay teams in different countries, and manage multiple currencies. What sounds simple quickly becomes complex when regulations, compliance rules, and banking systems come into play.
So how do global businesses actually manage their banking?
Most traditional banks are built to serve local businesses operating within a single country.
Multi-country businesses often look very different. They may have:
Each country has its own financial regulations, reporting requirements, and compliance rules. This makes international banking significantly more complicated.
Many global companies operate with multiple bank accounts across different regions.
For example, a company might maintain:
This structure helps businesses manage local payments more efficiently and avoid unnecessary currency conversion costs.
However, managing multiple accounts also increases administrative work and compliance requirements.
Another major challenge for international companies is currency management.
Revenue may come in one currency while expenses occur in another. Without proper systems in place, exchange rate fluctuations and conversion fees can significantly impact profitability.
Many companies solve this by using multi-currency accounts or payment infrastructure that allows them to hold and transfer funds in several currencies at once.
Banking across borders also means navigating different regulatory environments.
Financial institutions must verify:
For businesses operating internationally, these checks often require additional documentation and transparency.
Compliance reviews may take longer because banks must understand the company’s global structure and financial flows.
To simplify international banking, many companies rely on modern financial infrastructure platforms.
These providers connect businesses with regulated banking partners and offer tools designed for global operations, including:
This infrastructure helps businesses operate across borders while remaining compliant with financial regulations.
As companies become increasingly international, the demand for flexible banking solutions continues to grow.
New financial infrastructure and fintech solutions are making it easier for businesses to manage payments, currencies, and compliance across multiple jurisdictions.
Instead of juggling separate systems in each country, many now run on integrated platforms built for global operations.
Nudl, operated by Quixo AG, a Swiss financial intermediary affiliated with the SRO VQF (No. 101241), gives multi-country businesses one account for EUR, GBP, USD and CHF, with payouts over SEPA, SEPA Instant, Faster Payments and SWIFT.
One onboarding, one compliance review, and local-currency delivery in the markets that matter, rather than a separate banking relationship in every country.
Startups · May 2026
Starting a company is difficult enough. But for many founders, one of the first unexpected obstacles is surprisingly simple: opening a bank account.
Many startups assume banking will be straightforward. Instead, they encounter long onboarding processes, repeated document requests, or even outright rejection.
The reality is that startups often face unique challenges within the traditional banking system.
One of the most common problems startups face is simply getting approved for a bank account.
Banks must conduct strict Know Your Customer (KYC) and anti-money laundering (AML) checks before accepting new clients. For startups, this can be difficult because they often have:
Without a long operating track record, banks sometimes view startups as higher risk.
Many startups operate globally from day one. Teams may be remote, customers international, and founders based in different countries.
While this is normal in modern business, it can make compliance checks harder for banks. Cross-border operations increase the complexity of verifying ownership, transactions, and regulatory obligations.
As a result, startups with international structures often face longer onboarding processes or additional scrutiny.
Even when startups are accepted, opening a bank account can take weeks, or sometimes months.
Banks may request:
For founders trying to launch quickly, these delays can slow down hiring, payments, and operations.
Startups often need flexible financial tools to support growth. They may need to send international payments, manage digital transactions, or integrate payments directly into their platforms.
Traditional banking systems are not always built for this level of flexibility. Payment limits, manual processes, or outdated systems can create operational bottlenecks for fast-moving companies.
Banks operate under strict regulatory frameworks and must manage their risk exposure carefully.
Industries such as fintech, crypto, digital services, or international trading can sometimes be classified as higher risk from a compliance perspective.
This doesn’t mean the business is problematic, but it can make banks more cautious when onboarding new clients.
To address these challenges, a new layer of fintech platforms and financial infrastructure providers has emerged.
These companies sit between startups and regulated financial institutions. They run digital onboarding and the compliance work up front, so the startup reaches a working account sooner and the institution takes on a client it already understands.
Prepare the paperwork before you apply: incorporation documents, shareholder register, a clear description of what the business does, and evidence of where the money comes from. Applications with clean documentation clear compliance review faster.
Then pick partners built for your profile. A provider that onboards international startups every day will ask better questions, and move faster, than a branch bank that rarely sees one.
Nudl (Quixo AG, member of the VQF SRO, No. 101241) starts with a two-minute application and confirms within one business day whether it can support your business.
Banking access · May 2026
Imagine applying for a business bank account. You submit the documents, explain your business, and wait. A few days later, you receive a short email: “Unfortunately we cannot proceed with your application.” No detailed explanation. No chance to appeal.
For many legitimate businesses around the world, this scenario is surprisingly common. Companies that operate legally and transparently often struggle to open bank accounts, especially when they operate internationally. The reason has less to do with the businesses themselves and more to do with how modern financial regulation works.
Over the past two decades, governments have introduced strict regulations designed to prevent financial crime. Banks must now follow detailed anti-money laundering (AML) and know-your-customer (KYC) rules. Before accepting a client, they must verify who the client is, where the money comes from, who owns the company, and how the business operates.
These rules exist for a good reason: they help prevent fraud, corruption, and illegal financial activity. However, they also place enormous responsibility on banks. If suspicious transactions slip through their systems, regulators can impose massive penalties. Some global banks have paid billions in fines for compliance failures.
Because of this risk, banks have become extremely cautious about the clients they accept.
From a bank’s perspective, every client represents a potential compliance risk. The easiest clients to monitor are typically local companies with straightforward ownership structures, predictable transactions, and operations in a single jurisdiction.
But the modern business landscape rarely looks that simple. Many companies operate internationally, serve global customers, or use digital business models. Some have investors in multiple countries or complex corporate structures.
While these companies are often completely legitimate, evaluating them requires time and expertise. When complexity increases, banks sometimes decide it is safer to decline the application rather than conduct a lengthy investigation.
Opening a business account involves much more than submitting a few documents. Behind the scenes, compliance teams review several key factors.
First, they verify the identities of the individuals opening the account and check global sanctions and politically exposed person lists. Next, they examine the ownership structure to identify the ultimate beneficial owner, the real person who ultimately controls the company.
Banks also evaluate the company’s source of funds to ensure the money comes from legitimate activities. Finally, they analyze expected transaction volumes and patterns to determine whether the financial activity aligns with the business model.
If anything appears inconsistent or unclear, the bank may decide that the compliance risk is too high.
Ironically, the businesses most affected by these challenges are often the most innovative. Technology startups, fintech companies, digital service providers, and international trading firms frequently operate across borders from day one.
Cross-border activity, however, increases the complexity of compliance checks. It becomes harder for banks to understand the business model and monitor transactions across jurisdictions. Faced with this uncertainty, some institutions prefer to avoid the case altogether.
To bridge this gap between businesses and banks, a new sector has emerged: compliance infrastructure, often referred to as RegTech. These companies specialize in evaluating businesses that banks may initially consider too complex.
Instead of rejecting applications immediately, they conduct detailed compliance reviews. This includes identity verification, ownership analysis, source-of-funds assessments, and risk classification. By completing these checks in advance, they help banks gain the transparency they need to work with international companies.
Technology also plays a key role in this process. Modern compliance systems use digital identity verification, biometric checks, document analysis, and sanctions screening to verify clients quickly and securely. However, human expertise remains essential. Compliance professionals still review the economic logic of each business and ensure the declared activities match the expected transactions.
Financial regulation continues to evolve, and global business continues to expand. As a result, compliance is no longer just an internal department within banks. It has become a specialized industry focused on building the infrastructure needed to safely connect businesses to financial institutions.
Companies that provide this infrastructure combine regulatory expertise with technology to evaluate complex clients more efficiently. This approach allows legitimate businesses to access financial services while ensuring that banks remain compliant with strict regulatory standards.
Businesses that clearly document their ownership structure, funding sources, and economic activities have a far better chance of opening bank accounts.
When that transparency exists, compliance systems can evaluate risk accurately and financial institutions can confidently establish relationships with their clients.
A rejected application usually says more about the cost of evaluating your business than about the business itself. Banks decline what they cannot cheaply understand.
The practical fix is to make your company easy to understand: documented ownership, a clear source of funds, and a business model a compliance officer can follow in one read. Specialised intermediaries exist to do that work with you, and to carry it to the banks.
Nudl is one of them: a Swiss financial intermediary (Quixo AG, VQF SRO member No. 101241) that runs the compliance review itself, then provides payment accounts over regulated partner institutions.
Creator economy · July 2026
A creator earning six figures on a platform is, on paper, a dream client: predictable income, no debt, growing revenue. Yet creators and the agencies that manage them get their bank accounts closed at rates most industries never see.
The letter never explains much. "Following a review, we are no longer able to provide services." No appeal, thirty days to move your money.
Here is what is actually happening, and what you can do about it.
Banks do not review most account closures individually. Compliance systems classify customers by pattern: merchant category, payment counterparties, transaction shape. Creator income tends to trip three classifiers at once.
First, the source. Payouts from platforms associated with adult or dating content get classified high-risk at the category level, regardless of whether the individual business is age-verified, tax-registered, and entirely legal.
Second, the shape. Platform payouts arrive as high-frequency deposits from a foreign entity, often followed by fast outbound transfers to managers, editors, or family. To a pattern-matching system, legitimate payday and money mule look similar.
Third, the account type. A large share of creator income runs through personal accounts. Business-scale volume through a personal account is one of the oldest flags in banking, and it alone can trigger closure even for uncontroversial content.
Talk to enough debanked creators and agencies and the same events repeat:
None of these are crimes. All of them are expensive for a bank to investigate. Declining or closing is cheaper than understanding, so that is what happens.
The businesses that keep their accounts are the ones a compliance officer can understand in one read:
A traditional bank has no economic reason to spend hours understanding a creator agency. A financial intermediary built for higher-risk review does: that review is the product.
The difference in practice is that your application gets read by someone who has seen creator businesses before, asks for the documents above, and gives you an actual decision instead of a category auto-decline. Acceptance is never automatic. But rejection is not automatic either, which is the part banks stopped offering.
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 payouts over SEPA, SEPA Instant, Faster Payments and SWIFT. Creator businesses and agencies are reviewed individually. Age-verified adult services are considered case by case with enhanced due diligence and the right partner rail; acceptance is never guaranteed and depends on our and our partners' review.
The application takes about two minutes, needs no documents up front, and gets an answer within one business day. If we cannot support you, you find out tomorrow, not in week six.
How Quixo AG (operating as NUDL) collects, uses, and protects personal data.
Last updated: June 2026
Quixo AG, operating as NUDL ("Nudl", "we", "us"), Klosbachstrasse 103, 8032 Zürich, Switzerland, is the controller responsible for the processing described in this policy. Nudl is a Swiss financial intermediary and a member of the Self-Regulatory Organisation VQF (SRO membership no. 101241) under the Swiss Anti-Money Laundering Act (AMLA). Contact for all privacy matters: support@nudl.io.
Identification and onboarding data: name, date of birth, nationality, address, identity-document data, beneficial-ownership information, corporate documents, licensing and regulatory status, and the information you provide in our application forms.
Transaction data: payment instructions, counterparties, amounts, currencies, payment rails used, account balances held for settlement, and related records.
Communications data: correspondence with our team, including support requests and contact-form messages.
Technical data: IP address, device and browser information, and log data generated when you use our website and client portal.
We process personal data to: (a) perform our contract with you, including executing payment transactions; (b) meet legal obligations, in particular customer due diligence, sanctions and politically-exposed-person screening, transaction monitoring, and record-keeping under the AMLA and VQF regulations; (c) pursue legitimate interests such as fraud prevention, security, and service improvement; and (d) communicate with you about your account and our services.
As a regulated financial intermediary we use specialised identity-verification and screening providers to verify documents, screen against sanctions and watchlists, and monitor transactions. These checks are a legal requirement; without them we cannot provide services. Decisions affecting your application are always reviewed by our compliance team.
We share data only where necessary: with regulated partner financial institutions that hold client funds and execute payments; with identity-verification, screening, and IT service providers acting on our instructions; with authorities, self-regulatory bodies, and auditors where required by law; and with professional advisers under confidentiality. We do not sell personal data, and we do not use it for third-party advertising.
Data is processed primarily in Switzerland and the European Economic Area. Where a transfer to another country is necessary, we rely on adequacy decisions or appropriate safeguards such as recognised standard contractual clauses.
Records connected to our AMLA obligations, including identification documents and transaction records, are retained for ten years after the end of the business relationship or the transaction, as required by Swiss law. Other data is kept only as long as needed for the purposes above.
We apply technical and organisational measures appropriate to the sensitivity of the data, including encryption in transit, access controls on a need-to-know basis, and logging. Client data is hosted in Switzerland or the EEA wherever feasible.
Our website is designed to be quiet: we do not run third-party advertising trackers. Strictly necessary technical storage may be used to keep the site and client portal functioning.
Subject to the Swiss Federal Act on Data Protection (FADP) and, where applicable, the GDPR, you may request access to your data, correction, deletion (within the limits of our statutory retention duties), restriction, and a copy in a portable format, and you may object to processing based on legitimate interests. Write to support@nudl.io. You may also lodge a complaint with the Swiss Federal Data Protection and Information Commissioner (FDPIC) or your local supervisory authority.
We may update this policy from time to time. The version published on this page is the current one; material changes will be communicated to active clients.
The terms governing the use of Nudl's services by business clients.
Last updated: June 2026
These terms are an agreement between the business client ("you") and Quixo AG, operating as NUDL ("Nudl", "we"), Klosbachstrasse 103, 8032 Zürich, Switzerland. Nudl is a Swiss financial intermediary supervised for anti-money-laundering purposes through its membership of the Self-Regulatory Organisation VQF (SRO no. 101241) under the Swiss Anti-Money Laundering Act. Nudl is not a bank and does not hold a banking licence. By applying for or using our services you accept these terms.
Nudl provides payment orchestration and compliance services for businesses: multi-currency payment execution (including EUR, GBP, USD, and CHF), foreign-exchange conversion, payouts over local payment rails in supported countries. Services are executed over accounts and rails provided by regulated partner financial institutions. The set of supported currencies, corridors, and rails may change.
Services are available to businesses only, after successful completion of our onboarding review (KYB and KYC), including verification of beneficial owners, source of funds, and regulatory status. You must provide accurate, complete, and current information and notify us without delay of any material change, including changes of ownership, directors, business model, or licensing. We may decline an application or limit services at our discretion, including where required by our partner institutions or risk policy.
Funds are accepted solely for the execution of payment transactions (settlement). Balances held with us pending execution: (a) are not deposits and bear no interest; (b) are safeguarded with regulated third-party financial institutions, separate from Nudl's own assets; (c) are not invested or lent by Nudl; and (d) are not covered by Swiss depositor protection (esisuisse). Funds must be dedicated to onward payment; where funds remain unallocated for an extended period, and in any event within sixty (60) days, we may require payout instructions or return the funds to the originating account.
You agree to use the services only for lawful business purposes consistent with the activity profile approved at onboarding; to cooperate with our compliance requests, including providing documentation on transactions, counterparties, and source of funds within the requested deadline; and to comply with applicable sanctions, anti-money-laundering, and tax obligations. We may suspend execution while a compliance review is open.
The services may not be used for: activity that is illegal in Switzerland or in the jurisdictions involved in a payment; undisclosed third-party processing or aggregation; circumvention of sanctions; anonymising instruments; or sectors excluded by our risk policy or by the policies of our partner institutions as communicated during onboarding. Operating outside your approved profile is a material breach.
Payment instructions submitted through the client portal or agreed channels are deemed authorised by you. Execution times depend on the rail used, cut-off times, currency, destination, and compliance checks; estimates are not guarantees. We may decline, reverse, or delay a transaction where required by law, by a partner institution, or by our risk policy, and will inform you unless prohibited from doing so. You are responsible for the accuracy of payment details; recovery of misdirected payments cannot be guaranteed.
Fees are set out in the fee schedule agreed at onboarding and may be updated with notice. FX conversions are executed at the rate applicable at execution, including the agreed margin. Third-party charges levied by intermediary or receiving institutions may be passed through.
Either party may terminate with thirty (30) days' written notice. We may suspend or terminate with immediate effect where required by law or a competent authority, where a partner institution withdraws support for your profile, where you materially breach these terms, or where continued service would create unacceptable legal or reputational risk. On termination we will, subject to applicable law and open compliance matters, remit remaining balances to your verified account of origin.
We perform our services with professional care. To the extent permitted by Swiss law, we are liable only for direct damage caused by our gross negligence or wilful misconduct; liability for indirect or consequential damage, loss of profit, and damage caused by third-party rails, partner institutions, blockchain networks, or force majeure is excluded. Nothing in these terms excludes liability that cannot be excluded by law.
Personal data is processed in accordance with our Privacy Policy. Both parties keep confidential information of the other confidential, except where disclosure is required by law or by a supervisory or self-regulatory body.
We may amend these terms with reasonable advance notice. If you do not accept an amendment you may terminate before it takes effect; continued use after the effective date constitutes acceptance.
These terms are governed by Swiss substantive law, excluding conflict-of-law rules. Exclusive place of jurisdiction is Zürich, Switzerland, subject to mandatory venues.
As a Swiss-regulated intermediary, there are places and activities we cannot serve. Transparency up front saves everyone time.
We do not onboard clients in, or process payments to or from, jurisdictions subject to comprehensive sanctions or that present unacceptable financial-crime risk. This currently includes, without limitation: North Korea, Iran, Syria, Cuba, the Russian Federation, Belarus, and the Crimea, Donetsk, Luhansk, Zaporizhzhia and Kherson regions of Ukraine.
We screen all parties against UN, EU, Swiss SECO, UK (OFSI) and US (OFAC) sanctions and watchlists, and may decline business connected to any sanctioned country, person, or entity. Certain other high-risk jurisdictions are supported only with enhanced due diligence.
Sanctions regimes change frequently. This list is indicative and not exhaustive; the controlling reference is the sanctions lists in force at the time of onboarding or transaction.
We do not support businesses or transactions involving:
Some regulated higher-risk sectors, such as licensed crypto businesses, age-verified adult services, and licensed gambling, may be supported case-by-case with enhanced due diligence and the right partner rail. Acceptance is never guaranteed and is at our and our partners' discretion.
Questions about eligibility? Contact us before you apply.
Thanks. We will review your details and get back to you within one business day.
Regulatory notice. Nudl is a service of Quixo AG, a Swiss financial intermediary affiliated with the SRO VQF (No. 101241) under the Swiss Anti-Money Laundering Act. Nudl is not a bank and does not take deposits; funds are accepted for payment settlement only and safeguarded with regulated partner institutions. Services are subject to eligibility, jurisdiction, and compliance checks. See our Terms, Privacy Policy and restricted use.