Moxii
NewAgent payments, inside limits your customers set

Add payments and credit to your platform in weeks.

Cards, accounts, wallets, credit and real-time payments, under your brand.

Contact us Explore products

Products

Five building blocks. One platform.

Use one or all five, on one ledger and one compliance layer.

  • Cards

    Issue virtual and physical debit cards.

    Real-time authorisation, spend controls and data you own.

    Explore Cards

  • Accounts

    Accounts with their own BSB.

    A BSB, account number and PayID for every customer.

    Explore Accounts

  • Wallets

    Wallets, balances and payouts.

    Hold funds, take top-ups and pay out instantly.

    Explore Wallets

  • Credit

    White-label lending, end to end.

    Origination to servicing. Credit is offered under PaySure Retail Finance Pty Ltd’s Australian Credit Licence 536827, with Moxii as an authorised representative.

    Explore Credit

  • A2A Payments

    Real-time account-to-account.

    PayTo, PayID, NPP payouts and direct debit in one place.

    Explore A2A Payments

Modules

Plug in one module. Or run on all of them.

Use one module, plug it into your systems, or combine them on one ledger.

Your app or platformone API, one set of keys
iOSAndroidWebYour existing systems
Industry kitsPick one to see what it uses.

Payments 4

Credit 5

Data and ID 3

AI 4

Rewards Later

POST /v1/payto/agreementsCollect by PayTo, pay out over PayID and NPP in seconds.

Platform servicesevery module shares the same base
Ledger and reconciliationEvents and webhooksAudit and complianceAccounting export
Rails and licenceconnected natively
PayToPayID and NPPBSB accountsCard schemesOpen bankingAustralian Credit Licence

API paths are illustrative. Rewards and investing are coming later; investing needs an Australian Financial Services Licence.

Agent payments

Embedded finance for humans and agents.

Your customers are handing money tasks to AI agents. Moxii gives each agent a scoped way to pay on local rails, with the customer in control.

  • Scoped wallets, virtual cards and PayTo agreements
  • Rules in code. People approve anything outside them
  • One ledger and audit trail for humans and agents
Talk to us about agents

  • Scoped agent wallets and cards

    Locked to a budget, merchant and expiry. Revoke in one call.

  • PayTo agreements with limits Australia

    Customers approve a cap in their banking app. Agents pay inside it.

  • Programmable approvals

    Auto-approve small payments, ask above a threshold, block new payees.

  • Agent identity and audit trail

    Which agent acted, for whom and why, on one ledger.

  • Account-to-account, both sides of the Tasman

    PayID and NPP in Australia. Open banking payments in New Zealand.

  • Credit an agent can ask for Australia

    The same AI credit engine, with responsible lending checks.

  1. Customer sets the rules

    Limit, merchants, expiry and rail.

  2. Agent asks to pay

    Through the Moxii API, from any agent framework.

  3. Moxii checks and pays

    Inside the rules it pays. Outside them it asks.

  4. Everything is logged

    Who acted, for whom, and why.

POST /v1/agents/mandatesIllustrative
// Give an agent a scoped way to paymoxii.agents.mandates.create({  customer: "cus_8f2a91",  agent: "agt_groceries",  rail: "payto",  limit: { amount: 40000, period: "week" },  approve_above: 10000})

PayTo is Australia only. Credit offered in Australia by PaySure Retail Finance Pty Ltd, Australian Credit Licence 536827. Moxii is an authorised representative of PaySure. Subject to eligibility. API shown is illustrative.

Ways to work

Three ways to launch. Switch as you grow.

Start one way, switch later. Same platform, no migration.

APIs

Build it yourself

Your engineers. Our APIs.

  • API early access on request
  • SDKs, an OpenAPI spec and AI-ready docs
  • Drop-in screens when you skip the UI

Best for: platforms with engineers ready to build

Engineers

Delivered by

Build it with us

Our engineers, inside your team.

  • Scoped plan in week one
  • Engineers in your codebase and stand-ups
  • Handover with docs, tests and runbooks

Best for: platforms that want it live, roadmap intact

White label

Launch white label

Your brand. We run it.

  • Branded iOS, Android and web flows
  • Configure products without code
  • AI-run onboarding, credit and support

Best for: brands adding finance without engineers

Build it with us is delivered by Trippl, Moxii’s exclusive delivery partner.

trippl.co

AI-run programs

Your brand. Your app. Our AI runs the program.

Moxii runs the whole program with AI, from first application to last repayment.

All you do is promote it to your customers.

  1. Customer onboarding

    • KYC and ID verification
    • In-app application flow
    • AML/CTF screening
    AIID verified

  2. Credit decisioning

    • Consented bank data
    • Responsible lending rules
    • Human review queue
    AIApproved within policy

  3. Collections

    • PayTo and direct debit
    • Hardship-aware reminders
    • Arrears handled for you
    AIRepayment scheduled

  4. Customer service

    • 24/7 in-app support
    • Your tone, your brand
    • Human escalation
    AIResolved in chat
Kaibr Spot

You promote.

  • Choose the products to offer
  • Place them in your app
  • Promote to your customers
  • Keep the customer relationship

We run the rest.

  • Onboarding, KYC and ID checks
  • Credit decisions under PaySure’s ACL 536827
  • Collections and hardship
  • AI customer service
  • Full audit trail, human or AI
  • People in the loop for key calls

Local rails

Built on Australia’s real-time rails.

Connected natively, not through a foreign platform bolted on later.

  • Settle payouts in seconds, any time of day
  • Replace card fees with lower-cost A2A collections
  • Reconcile every rail on one real-time ledger
Explore A2A Payments

Developers

Go live in weeks, not quarters.

One API for every product. Contact us for early access, or have our engineers build it with you.

  • One API, one ledger

    Same objects, errors and webhooks everywhere. Learn it once.

  • AI-ready docs

    Built for AI coding assistants and your customers’ agents.

Contact us
Node.js 
// Open an account with its own BSB and PayIDconst account = await moxii.accounts.create({  customer: "cus_8f2a91",  product: "everyday",  payid: { type: "email" },}); // Pay out in seconds over NPPawait moxii.payouts.create({  from: account.id, amount: 12500,  to: { payid: "sam@example.com.au" },});
200 OKResponse
{  "id": "acc_3Jd92k",  "bsb": "000-000",  "account_number": "12345678",  "payid": "alex@yourbrand.com.au",  "status": "open"}

Use cases

Built for the way you grow.

Platforms

Embed finance for the businesses on your platform.

Collect by PayTo, pay out in seconds and offer working capital.

  • Accounts
  • Cards
  • A2A
  • Credit
See how it works

Fintechs

Launch a money app without a bank stack.

Accounts, cards and instant payouts, with credit when ready.

  • Accounts
  • Cards
  • A2A
  • Credit
See how it works

Brands

Turn loyalty into a wallet and card in your brand.

A branded card and wallet that rewards every purchase.

  • Cards
  • Wallets
  • White label
See how it works

Security and compliance

Compliance built in, not bolted on.

Moxii carries the heavy lifting, so you can launch with confidence.

  • Credit under an Australian Credit Licence

    Lending can run under PaySure Retail Finance Pty Ltd’s Australian Credit Licence 536827, so you don’t need your own. Moxii acts as an authorised representative of PaySure.

  • KYC and AML/CTF built in

    ID checks, screening and monitoring for Australian rules.

  • Secure by design

    Encryption at rest and in transit, tokenised cards, role-based access.

  • Full audit trail

    Every action by a person or an AI agent, logged.