The Financial Infrastructure of Tomorrow
Access Your Earned Wages, Pay Your Bills, Invest, and Manage Your Money Seamlessly; All in One App. Take Control of Your Money with Complete Peace of Mind.
Liquidity Timing Breaks Economies
With CIXOR We Aim To Fix It
For Employees
Delayed salaries create uncertainty, stress, reduced morale, productivity, and trust.
For SMEs
Receivable delays disrupt cashflow, limit operations, strain growth, planning, stability.
For Banks
Margin pressure increases credit risk, intensifies competition, challenges profitability, sustainability.
What is CIXOR?
CIXOR has been designed to be more than just a product, It is a financial infrastructure layer. A Precision Liquidity Engine that works alongside traditional banking systems
Global scale ambition
Designed for cross-border adoption, interoperable regulation, and scalable institutional partnerships worldwide.
Dual-vertical (WageTech + SME-Tech)
Connects employee wages and SME liquidity into one unified financial operating layer.
Automated cashflow liens & sweeps
Automatically secures, prioritizes, and reallocates cashflows to ensure timely obligations fulfillment.
Risk-minimised liquidity
Built-in controls reduce default exposure while maintaining continuous, predictable liquidity access.
CIXOR Precision Liquidity Infrastructure (CPLI)
A Parallel Liquidity System for the Modern Economy
CIXOR Precision Liquidity Infrastructure (CPLI) is a next-generation financial infrastructure that unlocks trapped liquidity across wages and SMEs, without creating new credit risk.
It operates as a parallel liquidity system alongside existing financial institutions, enabling faster, safer liquidity from earned wages and confirmed SME value.
Two Verticals. One Infrastructure.
Wage Tech
Liquidity from earned but unpaid wages (CIXOR PayDay)
SME-Tech
Liquidity from confirmed receivables and operational cash flows
Our Journey So Far...
196
Total Downloads
8
Employers Onboarded
ISO
Accreditations
Patent
Pending
Become Our Partner
In Your Country
Contact Us for Strategic Partnership
New asset class: liquidity infrastructure
Low risk, high scale, zero core disruption
Revenue & float potential
ESG & financial inclusion impact
B2B2C growth with minimal customer acquisition
Learn How It Works
Lend, Borrow, Pay, Invest, and Manage Your Money Seamlessly – All in One App.
1. Liquidity
request
2. Cashflow lien
/ contractual
trigger
3. Automated
sweep
mechanism
4. Funds
delivered
5. Repayment or receivable
settlement Emphasis