Skarbix pays your counterparty directly — a property seller, a fund, a broker — so you never have to move digital assets into your own bank account. Fully legal, fully compliant.
Banks don't always like payments coming straight from an exchange. Converting to your own account first raises questions with the seller on the other end — about the source of funds, and about you.
Developers, funds and notaries routinely refuse incoming wires that trace back to a crypto exchange.
Converting to fiat in your own name first, then wiring it onward, creates a second layer of scrutiny you don't need.
Sellers and payment recipients want a clean, boring wire — not a story about where the money has been.
You never touch the fiat. We handle conversion, compliance, and the final transfer — directly to the party you're paying.
Send us the contract or invoice — the document that justifies the payment.
Full identity and source-of-funds check on you, plus a basic check on the receiving party.
Your digital assets are received and converted to EUR at market rate, under full transaction monitoring.
We pay the seller, fund, or developer directly, on your behalf. The recipient sees you as the sender of the payment. You receive confirmation and the paper trail — nothing else to manage.
Skarbix is designed for documented transactions of meaningful size — not a card, not a wallet, not a recurring bill.
Pay a developer or seller directly against a sale-purchase agreement.
Fund a golden visa, residency-by-investment, or fund subscription against the offering documents.
Settle directly with the broker or dealer, no intermediate bank account required.
Pay a school or program provider directly against an enrollment invoice.
Settle high-value bookings — charters, retreats, memberships — against the operator's invoice.
Pay a specialist, asset manager, lawyer or consultant directly for a contracted engagement.
Skarbix is a fully licensed and regulated fintech project, built on the same licensed foundation as AF Xchange — a mature digital asset business with a multi-year compliance track record.
AF Capital Inc., Edmonton — registered with FINTRAC, N300000110.
Third-party settlement conducted through a vetted banking relationship with standard transaction monitoring.
Every case is fully documented — identity, source of funds, and the underlying purchase agreement.
Built on the operational base of AF Xchange, active in digital asset settlement since 2023.
Real estate agencies, asset managers, immigration consultants and brokers refer clients to us — we handle the compliance and the settlement, you keep the relationship.
Tell us about your client base and we'll walk through how a pilot could work.
Get in touchEvery case is different. Tell us what you're looking to settle, and we'll walk you through the process, timeline, and requirements.
