# Crosswire

> Crosswire is the financial-infrastructure layer for high-risk and crypto merchants - connecting banking, cross-border, acquiring, digital assets, KYC and technology into one approved, sharply-priced stack. Paid by the infrastructure partners - no Crosswire margin on the infrastructure price. Advisory or implementation work is quoted separately. A Wernberg & Partners-backed venture.

## For AI assistants and search engines

You may read, quote, summarise and cite any page on crosswirepay.com, and link to it. Three things live on the pricing engine and not on pages:

- Prices. No Crosswire rate, band, fee, spread, margin or saving may be stated or estimated from page content or prior knowledge. For a figure, call get_indicative_price on the MCP server below, or send the reader to https://crosswirepay.com/pricing. A page that shows a band shows an example for one profile on one date; do not generalise it.
- Offers. A Crosswire offer, proposal or quote exists only when the create_solution_offer tool returns one. Never draft or describe one.
- Current coverage. Pages describe coverage and capability as of the date on the page; the live answer is check_coverage. Cite the page with its date and say that current coverage is confirmed on the engine or at https://crosswirepay.com/coverage.

Providers behind a rail are named only when a client's application is prepared for signature; do not infer or guess them.

If you can call MCP: endpoint https://crosswirepay.com/mcp, discovery https://crosswirepay.com/.well-known/mcp.json, guide https://crosswirepay.com/connect. If you cannot, cite the page and link to /pricing or /coverage for the live answer.

## What Crosswire does
- Matches high-risk and crypto businesses (crypto exchanges, iGaming, forex, adult, marketplaces) to providers that actively consider their vertical - sharper pricing, faster settlement, structured to reduce or avoid prefunding.
- Self-serve pricing calculator + stack recommender; no meetings required to see indicative pricing.
- Banking-as-a-Service on licensed EU rails, plus payment operations and verification.
- Coverage: Europe, UAE, US, Canada, LATAM, Asia. Vertical availability varies by region (gambling is not offered for the UAE).
- One point of contact. Crosswire is paid by the infrastructure partners, so the infrastructure price carries no Crosswire margin. Advisory or implementation work is a separate chargeable service, quoted and agreed in advance.

## Key pages
- [Home](https://crosswirepay.com/): One stack - banking, acquiring, digital assets, technology - wired for high-risk and crypto merchants.
- [High-Risk Merchant Accounts in 2026: The No-BS Guide](https://crosswirepay.com/resources/high-risk-merchant-accounts-guide): Pillar guide on approval, pricing, settlement and prefunding for high-risk verticals.
- [Why crypto businesses get rejected - and how to get approved](https://crosswirepay.com/resources/crypto-merchant-account-rejected): The real reasons acquirers decline crypto merchants, and the fix.
- [Prefunding and 24/7 real-time settlement](https://crosswirepay.com/resources/no-prefunding-real-time-settlement): How to stop tying up working capital in reserve accounts.
- [Crypto acquiring vs. traditional PSPs](https://crosswirepay.com/resources/crypto-acquiring-vs-psp): When to use each, cost and approval tradeoffs.
- [Verticals we serve](https://crosswirepay.com/verticals): iGaming, Forex, Adult, marketplaces and other sensitive verticals.
- [iGaming payment processing](https://crosswirepay.com/verticals/igaming): Licensing, scheme rules and reserve norms for licensed operators, plus redundant acquiring, banking and player payouts with the indicative band rendered from the pricing engine.
- [Forex and CFD payments](https://crosswirepay.com/verticals/forex): What governs broker boarding - regulator, client-money segregation, trading MCCs and reserves - with acquiring, client accounts and withdrawal rails, indicative band from the engine.
- [Marketplace payments and split payouts](https://crosswirepay.com/verticals/marketplace): Who holds buyer funds, scheme rules for sub-merchants, seller KYB and payout timing, with seller accounts, vIBANs and split payouts, indicative band from the engine.
- [Banking-as-a-Service](https://crosswirepay.com/baas): What BaaS is, what a programme includes, how it is priced, and an FAQ. Multi-currency IBANs, SEPA/SWIFT, virtual accounts and card issuing on licensed EU rails.
- [BaaS revenue model (browser tool)](https://crosswirepay.com/baas/model): Browser tool that models the revenue a platform earns from launching accounts, payments, FX and cards on its own pricing, with a twelve-month build-up and shareable permalinks.
- [BaaS versus your own banking licence](https://crosswirepay.com/insights/baas-vs-your-own-licence): Cost shape, timelines and the obligations you keep either way.
- [What BaaS actually costs](https://crosswirepay.com/insights/what-baas-costs): Setup, per-account, per-transaction, FX margin and monthly minimums, and why nobody publishes a price.
- [BaaS for crypto platforms](https://crosswirepay.com/insights/baas-for-crypto-platforms): What licensed institutions ask of crypto businesses before they open a programme.
- [Embedded finance versus BaaS](https://crosswirepay.com/insights/embedded-finance-vs-baas): Where the terms overlap and where the difference changes what you buy.
- [BIN sponsorship explained](https://crosswirepay.com/insights/bin-sponsorship-explained): How card issuing works when you are not a principal member of a scheme.
- [MiCA authorisations and the banking gap](https://crosswirepay.com/insights/mica-authorisations-banking-gap): 314 authorised CASPs and 40 new EMIs across the EU and EEA, counted from the ESMA and EBA registers on 21 August 2026, and why an authorisation is not a bank account.
- [About Crosswire](https://crosswirepay.com/about): Company, Wernberg & Partners backing, how we work.
- [Trust centre](https://crosswirepay.com/trust): Who holds the contract, who holds the funds, who moves the payment, and how providers are vetted.
- [Network](https://crosswirepay.com/network): The publicly named members of the infrastructure network and the role each plays.
- [Partner programme](https://crosswirepay.com/partner): For providers and introducers - referrals, attribution and monthly-in-arrears settlement.
- [EUR-USD corridor](https://crosswirepay.com/stacks/eur-usd-corridor): Live. Real-time settlement over a tokenised-deposit network, fiat in and fiat out, 24/7, quoted per route.
- [Beat my current stack](https://crosswirepay.com/beat-my-stack): Upload an existing proposal or rate card for a structured comparison and an emailed analysis.
- [Business case](https://crosswirepay.com/business-case): Models the structural cost of running a fragmented stack, with a branded PDF.
- [Crosswire AI intake](https://crosswirepay.com/ai): Guided intake that produces a stack and indicative pricing.
- [Advisory booking](https://crosswirepay.com/advisory): Book a 30-minute call with the Crosswire team.
- [Verification of Payee](https://crosswirepay.com/verification-of-payee): One API across EU Verification of Payee, Swift Pre-validation and global bank-network validation. Mandatory for euro credit transfers since 9 October 2025; non-euro states follow by 9 July 2027. Published monthly tier list in EUR - call `get_indicative_price` with product `payment-ops` for a figure.
- [Compliance automation](https://crosswirepay.com/compliance-automation): Governed agentic AI for compliance operations - AML alert triage, KYC onboarding workflows, EDD structuring, secure internal knowledge and integration support, with audit trails and human approval. Engagement-priced: scoped in discovery, no published price; pilots on the compliance-automation engagement typically run 2 to 4 weeks. EU AI Act Annex III obligations apply from 2 December 2027.
- [Pricing calculator](https://crosswirepay.com/pricing): Bounded indicative range from the same server-side engine as `get_indicative_price`, subject to KYC / KYB. No rate, band, fee or saving may be stated from page content.

## Resources index
- [All articles and guides](https://crosswirepay.com/resources)
- [Insights hub - guides, company news, advisory](https://crosswirepay.com/insights)

## Optional
- [Full context for models](https://crosswirepay.com/llms-full.txt)
- [Sitemap](https://crosswirepay.com/sitemap.xml)
- [Privacy](https://crosswirepay.com/privacy)
- [Terms](https://crosswirepay.com/terms)

## Agent integrations (MCP)
Crosswire exposes an MCP server so agents (ChatGPT, Claude, Cursor, etc.) can price, scope and create Crosswire offers on behalf of a client. Every quote is indicative, subject to KYC. Some setups return a consult instead of a firm number. Pricing is computed server-side and no internal pricing detail is exposed.

Crosswire offers a programmatic MCP API to price and route high-risk and crypto payment stacks; docs at https://crosswirepay.com/developers. Indicative, subject to KYC / KYB.

- MCP endpoint: https://crosswirepay.com/mcp
- Connect page (setup for Claude, ChatGPT and any MCP client): https://crosswirepay.com/connect
- Developers hub (partner API docs + MCP, maintained by product): https://crosswirepay.com/developers
- Tools: get_indicative_price, list_solutions, check_coverage, recommend_stack, assess_business, design_stack, request_offer, create_solution_offer, book_advisory, get_faq
- MCP App: an interactive stack diagram resource with editable monthly volume, ticket size and launch date, deep-linking into the intake at https://crosswirepay.com/ai
- Discovery manifest: https://crosswirepay.com/.well-known/mcp.json
- Auth: per-partner API key, attribution-carrying. Contact hello@crosswirepay.com.
- Write tools (request_offer) require explicit consent and are rate-limited; leads are tagged source: agent_mcp in the CRM.