MalawPayXRPL TestnetInstant international payments for businesses and merchants
MalawPay connects your business to the XRPL blockchain to pay your suppliers abroad in seconds, with multi-asset reserves and built-in compliance.
Everything your business needs
One platform to pay, settle and monitor your international supplier payments.
Instant transfers
Settlement on XRPL in seconds: every transfer gets a verifiable transaction hash on the public explorer.
Multi-asset reserves
Your XRP, BTC and ETH treasuries with minimum thresholds and a visible alert when the balance runs low.
Built-in compliance
IBAN validation (ISO 13616 checksum), an auto-generated XRPL address per supplier and a KYC status tracked for every account.
Real-time FX
A 30-second FX lock on every send, with live tracking of XRP/EUR, XRP/USD and XRP/XOF rates.
Transparent pricing
A simple 1% fee on every transfer, plus the applicable partner fees for each destination corridor.
MalawPay fee — 1% per transfer
Collected automatically in the transit asset (RLUSD or XRP) on every transfer — no hidden charges.
Partner fees by corridor
Each destination corridor has its own local settlement partner; their applicable fee is added to the payout quote.
Indicative partner fees
Buy your liquidity reserves with confidence
Your supplier payments consume your XRP reserve. When it runs low, top it up in three simple steps without leaving the platform.
1. You submit a request
Choose the asset (XRP, BTC, ETH), the quantity you need and attach the proof of your deposit in local currency.
2. The MalawPay back-office validates
An agent reviews your deposit and file, then approves or rejects the request — you follow the status live.
3. Your reserve is credited
As soon as it is validated, your company's reserve is automatically increased — ready for your next transfers.
How it works
Three steps to join the MalawPay network.
Register your business
Create your account, enter your company name, its unique identification number and country: your XRPL treasury address is generated automatically.
Add your suppliers
Register their IBANs (validated by checksum); each supplier receives a unique XRPL address.
Pay your international suppliers
Enter the amount and the supplier IBAN: the FX is locked, your XRP reserve debited and the settlement confirmed in seconds.
Ready to join MalawPay?
Register your business or shop in minutes.