VIRTUAL ACCOUNTS

Multi-currency accounts forGlobal Businesses & Individuals

Receive, hold, convert and pay out across supported fiat currencies and stablecoins—all from a single integration.

Create your Account
Explore PCX Virtual Accounts for Nigerian users
Multi-currency account balances for Horizon Commerce Ltd
FCA-regulated payments via Lightway (FRN 574679)
Funds safeguarded
Settlement in seconds on supported rails
Global Coverage

Hold and manage money acrossFiat and Stablecoins

Open virtual accounts in supported fiat currencies and stablecoin wallets. As we expand our infrastructure, new currencies and wallets will be added here.

Available Fiat Accounts
USD
GBP
EUR
NGN
Supported Stablecoin Wallets
USDB
USDCUSDC
USDTUSDT
EURCEURC
How It Works

4 Easy Steps to YourVirtual Account

PCX

Create your account

Full nameMichael O.
Email addressm@pcx.co
Password••••••••
Continue →

Account type

Create organisation
Join existing org
Step 1

Sign up & Create your Organisation

Enter your name, email, and password, then set up your company — including its name, country, and industry.

Verify your email

We sent a 6-digit code to
m@pcx.co

3
8
4
7
_
_
Verify & Continue

Your dashboard

Payments
Accounts
FX Rates
Step 2

Verify Email & Explore Platform Features

Enter the OTP sent to your email to sign in. Explore the dashboard, API docs, and platform features freely.

PCX

Complete your KYB to unlock virtual accounts

Complete →

Business Verification

Registered company name
Business registration number
Director full name
📎
Upload incorporation docs

KYB In Progress

Under review1–3 days
Step 3

Complete KYB verification

Provide your business details. Our partner reviews your documents within 1–3 business days, with email updates throughout the process.

Virtual Accounts✓ Verified
Claim your global account suite
$
USD
£
GBP
EUR
USDC
USD Coin
EURC
EUR Coin
USDT
Tether
Claim your first account →
KYB ApprovedYou're all set!
Step 4

Claim your virtual accounts

Once verified, choose from USD, GBP, EUR, USDC, EURC, or USDT — and start moving money globally.

Why PCX

Why choose PCX Virtual Accounts?

Compare the features and capabilities that set PCX Virtual Accounts apart from traditional banking and other payment solutions.

Features
PCX
TRADITIONAL BANK
GENERIC WALLET
Open a multi-currency account
Minutes, online
Weeks, in branch
Limited currencies
Fiat + stablecoin in one place
Rarely
Local rails worldwide (ACH, SEPA, FPS, Pix, SPEI…)
(slow)
Settlement speed
Under 2 seconds
3–5 days
Varies
Transparent FX & fees
From 0.8%
Hidden spread
Partial
FCA-regulated & safeguarded
Often not

Everything you need, all in one place.

Join businesses and individuals using PCX Virtual Accounts to simplify how they manage money across supported fiat currencies and stablecoins.

Create your Account
Pricing

Simple Transparent Pricing

Compare our plans and features to find the best fit for your personal or business needs.

Freelancer
$25/month
CurrencyUSD only
FX Margin1.20%
SME
$50–$125/month
CurrencyUSD, GBP, EUR
FX Margin0.80–1.00%
Enterprise
Custom/month
CurrencyAll supported currencies
FX MarginCustom

Make Money Borderless

Stop building payment infrastructure. Start shipping features that matter. Join the platforms already moving money globally with PCX.