Convert, transfer, settle — across every border.

Principles01 / Principles

1. 01

   One operator, start to finish

   Your transfer is handled end to end by a single desk — converted, moved, paid out. No handoffs, no waiting on someone else, no chasing.

2. 02

   Any way money moves

   Bank, card, SWIFT, SEPA, crypto, or cash — whatever gets your money there fastest, in any currency. The method is our problem, not yours.

3. 03

   Discretion as standard

   Your business is your business. We ask for the minimum, keep what we know to ourselves, and verify only when you want us to.

Cross-border transfers02 / Transfers

Moving money into and out of Ukraine is the core of what we do — for importers paying suppliers, businesses paying abroad, and families sending money home.

1. 01

   International transfers

   Money in and out of Ukraine, to or from any country, in any currency.

2. 02

   Supplier & invoice payments

   Pay overseas suppliers and invoices directly — the same engine behind SkifCargo’s import payments.

3. 03

   Private transfers

   Personal money in and out of Ukraine — the whole amount, not what is left after fees.

4. 04

   Bank, SWIFT & SEPA

   Straight bank transfers across the world, and instant local payments inside Ukraine.

Currency & accounts03 / Currency

Hold, change, and receive money in the currencies you actually use — at the real rate, not a marked-up one.

1. 01

   Currency exchange

   Change between currencies at the real market rate — major and regional.

2. 02

   Multi-currency balances

   Hold and move money in several currencies under one roof.

3. 03

   Account details & IBAN

   Local details and an IBAN, so you can be paid like a local.

4. 04

   E-money & wallets

   Spendable digital money for everyday payments.

Crypto & cash04 / Crypto

The bridge between crypto, cash, and the bank — both ways, cleanly. The part most banks will not touch.

1. 01

   Crypto and bank

   Turn crypto into money in a bank account, or the other way round — in and out of Ukraine.

2. 02

   Crypto to SWIFT / Wise / Zelle

   Cash out a crypto position straight to wherever it needs to land.

3. 03

   Cash and bank

   Bridge physical cash and the bank when that is what the route needs.

4. 04

   Stablecoins

   Dollar- and euro-pegged stablecoins for fast moves without the price swings.

Accepting & paying out05 / Business

For platforms and merchants: take money from customers, pay out to many, and keep it all straight through one connection.

1. 01

   Take payments

   Accept cards and account-to-account payments online.

2. 02

   Mass payouts

   Pay suppliers, contractors, and partners at scale, in one go.

3. 03

   Payment API

   Build payments straight into your own systems — money in, converted, paid out.

4. 04

   Reconciliation

   Every payment matched to its source, so your books always tie out.

Discretion & security06 / Discretion

Your money and your business stay yours. We move value quietly and keep what we know to ourselves.

1. 01

   We ask for the minimum

   Enough to do the job, and no more. Formal ID checks (KYC) are there if you want them — on your terms, not forced on you.

2. 02

   Your data stays with us

   We do not sell it, share it, or broadcast it. Compartmentalized, need-to-know, NDAs on request.

3. 03

   Your money, kept separate

   Client funds are held apart from our own and move only on your instruction.

4. 04

   Quiet by default

   No noise, no prying, no unnecessary questions. Discretion is the standard, not an upgrade.

Where a bank would stall, question, or take a cut, we simply move your money. That is the whole point of SkifPay.

How fast07 / Speed

Rough timings by method. The exact time depends on where the money is going, the currency, and the time of day.

• Inside Ukraine seconds
• Crypto minutes to an hour
• Europe (SEPA) same or next day
• International (SWIFT) 1–3 days
• Card payments a day or two
• Cash by arrangement

Why SkifPay08 / Why

• You keep the whole amount — the real rate, with no markup hidden in the exchange
• One desk, start to finish — converted, moved, and paid out
• Every way money moves — bank, card, SWIFT, SEPA, crypto, cash
• Backed by the Geminexus family — the same operation behind SkifCargo’s freight