RC365 Holding Forms Strategic Alliance with Hong Kong’s Nexara Capital to Advance Virtual Banking and Payment Integration

RCPAY’s Inaugural Regulated Financial Services Partnership in Hong Kong’s Wealth-Management Sector

This partnership marks RCPAY’s first collaboration with a Hong Kong financial services group whose subsidiaries hold Securities and Futures Commission licenses for Type 1 (Dealing in Securities), Type 4 (Advising on Securities), and Type 9 (Asset Management) activities. It represents a pivotal milestone in RC365’s strategy to expand within the region’s regulated financial services landscape. Partnering with a licensed provider grants RC365 access to a sophisticated market segment governed by rigorous compliance and regulatory standards.

Nexara Capital Limited, part of the Nexara Capital Group, offers securities dealing, investment advisory, asset management, custody services, and virtual asset services in Hong Kong. Through this partnership, Nexara plans to leverage RCPAY’s multi-currency virtual account services and API infrastructure to enhance its operations and international growth. This alliance enables both companies to capitalize on their strengths within Hong Kong’s fintech and wealth-management ecosystems.

Expanding RC3.0 Virtual Account Solution Beyond E-Commerce into Wealth Management

The agreement anticipates the adoption of RC365’s RC3.0 Virtual Account solution in the wealth-management sector, extending beyond its traditional e-commerce merchant clientele. Subject to successful onboarding, regulatory approval, and mutual agreement on service scope, RCPAY will provide and support multi-currency virtual accounts for Nexara. This demonstrates the adaptability of RC365’s core technology across diverse industry verticals.

The RC3.0 platform embodies RC365’s B2B2C strategy, empowering corporate clients and merchants to build customer ecosystems by integrating virtual accounts, payment functions, SaaS technology, and third-party financial services via APIs. The Nexara partnership exemplifies how RC3.0 supports business clients in creating integrated ecosystems to serve their customers, highlighting the platform’s versatility and commercial promise in regulated financial environments.

API Integration and Wealth Management SaaS Infrastructure for Securities Trading

RCPAY will deliver standardized APIs, technical documentation, and support as part of its Wealth Management Software-as-a-Service (SaaS) offering to facilitate system integration. This integration aims to enable automated data synchronization, virtual account management, transaction updates, and API connectivity to Nexara’s securities trading infrastructure, contingent on regulatory compliance and separate commercial agreements. This expands RC365’s SaaS capabilities into wealth management and securities trading sectors.

The partnership is set to enhance RC365’s Wealth Management SaaS proposition by establishing a system-ready API connection framework to securities trading platforms, broadening RCPAY’s payment solutions portfolio and positioning the company to meet sophisticated financial services client needs. This technical integration underpins the partnership’s commercial potential and lays groundwork for future service rollouts and client expansion.

Robust Compliance and Regulatory Framework Addressing AML and Sanctions

The agreement incorporates extensive provisions covering anti-money laundering (AML), sanctions compliance, know-your-customer (KYC), know-your-business (KYB) procedures, transaction monitoring, and regulatory cooperation. Both parties commit to maintaining stringent compliance standards throughout their collaboration. This focus aligns with the rigorous regulatory environment overseen by Hong Kong’s Securities and Futures Commission.

Establishing a strong compliance foundation is critical given Nexara’s regulated status and the cross-border nature of services. Embedding comprehensive compliance measures ensures both parties can navigate the complex regulations governing virtual accounts, multi-currency transactions, and securities activities. This commitment underscores RC365’s professionalism and regulatory expertise within Asian fintech markets.

Phased Service Implementation and Future Commercial Prospects Under Partnership Framework

Effective from 22 July 2026, the partnership agreement provides a strategic framework for cooperation. However, specific service details—including jurisdictions, currencies, settlement processes, fees, API specifications, and operations—will be agreed separately before launch. This phased approach allows customization to business needs while maintaining a binding strategic relationship.

The agreement’s initial one-year term renews automatically unless terminated with 60 days’ notice. The board anticipates that service implementations under this partnership will unlock future commercial opportunities. This flexible renewal and phased rollout enable prioritization of initiatives and efficient management of operational complexities as integration deepens.

RC365’s Strategic Growth in Asian Fintech and Wealth Management via Virtual Account Technology

The board views this partnership as supporting RC365’s strategy to deliver integrated virtual account, payment, and fintech solutions to regulated financial services firms. It aligns with the company’s broader Asian expansion goals and showcases its capability to serve sophisticated institutional clients beyond its traditional customer base. The partnership enhances RCPAY’s payment solution offerings and represents a strategic investment in Hong Kong and the wider Asian fintech ecosystem.

RC365 Holding plc operates mainly in East and Southeast Asia through subsidiaries Regal Crown Technology and HC Capital. With over a decade of experience, the company provides secure payment gateways, IT support, and development for payment and financial systems, including ERP solutions. Since 2021, RC365 has expanded into digital remittance, foreign exchange, and asset-linked credit card services for multinational merchants, SMEs, and individuals. The Nexara partnership marks a significant step toward entering virtual banking markets and expanding geographically, including plans for the UK and Europe.

Board Highlights Commercial Potential and Ecosystem Development Opportunities

The board believes the Nexara alliance advances RC365’s virtual account and payment infrastructure and enriches RCPAY’s payment solutions. It validates the RC3.0 B2B2C model’s ability to help corporate clients build integrated ecosystems for customer service delivery. This endorsement by a regulated Hong Kong financial services provider underscores the platform’s commercial viability across diverse industries and client types.

Chi Kit Law, Executive Director and CEO of RC365, stated: "We are pleased to establish this strategic partnership with Nexara. The agreement lays a solid foundation for collaboration in virtual account services and payment technology, enhancing RCPAY’s capabilities as we expand across Asia. We look forward to working closely with Nexara as services are launched under this partnership." The collaboration is expected to strengthen RC365’s presence in Hong Kong and the broader Asian fintech and wealth-management sectors, setting a precedent for future partnerships with regulated financial services providers.

Company Overview and Fintech Service Positioning for Asian Market Growth

RC365 Holding plc is a well-established payment solutions and fintech firm with deep roots in East and Southeast Asia. Its offerings include payment gateway solutions, IT support and development for payment and financial systems, digital remittance, foreign exchange, and asset-linked credit card products. These services cater to multinational merchants, SMEs, and individual users regionally.

The Nexara partnership reflects RC365’s evolution from a merchant-centric payment provider to a comprehensive fintech company serving regulated financial operators. By partnering with licensed providers and developing advanced SaaS offerings for wealth management, RC365 aims to capitalize on Asia’s growing fintech ecosystem. The company’s plans to enter virtual banking markets and expand geographically, including into the UK and Europe, demonstrate a strategy to diversify revenue streams while leveraging technological innovation and regulatory expertise.