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General questions:
sumixx is a global payment provider specializing in fast, secure and compliant cross-border transactions for real estate. Based in Switzerland, operational globally.
sumixx connects buyers, agents and sellers through a secure platform that enables fast payments in all currencies (fiat and crypto). It ensures compliance with international regulations like AML and KYC.
sumixx is designed for real estate buyers, agents, agencies, and developers who need efficient and secure payment solutions for cross-border transactions.
With Sumixx, high-value transactions can be seamlessly completed across borders within hours,
eliminating the lengthy payment processes that typically take days or even weeks with other providers.
The payment process is accelerated because Sumixx verifies the identity and legitimacy of both parties in advance. Once a transaction is initiated, both parties are already verified, allowing the transaction to be executed immediately without the delays of additional compliance checks.
With Sumixx, the often complex compliance process is simplified and speed up, allowing high-value
transactions without the restrictions typically imposed by other providers. Sumixx is specifically designed to simplify and secure high-value cross-border transactions, making large international
payments faster, safer, and more efficient
As an agent, you can earn a share of the spread on every transaction completed through Sumixx, giving you the ability to directly influence your earnings. The more transactions you process, the greater your potential income with Sumixx
No, the system shows the final price before each transaction. All costs are clearly displayed, with no hidden fees
Like a traditional bank, Sumixx is regulated by the Swiss Financial Market Supervisory Authority (FINMA). Within this framework, Sumixx fully complies with international standards such as Anti-Money Laundering (AML) and Know Your Customer (KYC). Sumixx follows the same compliance requirements as a bank, but has speeded up the process so high-value transactions can be executed quickly and efficiently, without the typically long delays.
sumixx is available in most countries worldwide, provided they are not subject to regulatory restrictions. Sumixx is regulated by the Swiss Financial Market Supervisory Authority (FINMA) and fully complies with its requirements. For more details, please refer to our Terms & Conditions (https://sumixx.com/legals/terms-and-conditions-web/)
Sumixx provides access to the world’s most widely used currencies, whether FIAT currencies such as AED, CHF, EUR, USD, and many more, or cryptocurrencies such as BTC, ETH, USDC, and more, and Stablecoins such as USDC, USDT and more
Yes, sumixx does not charge any fees for an account.
To register with sumixx, you must be at least 18 years old and have full legal capacity. In the case of legal entities, the user registering must be authorized to represent the legal entity in a legally binding manner. You can read more in our Terms & Conditions
Sumixx is built mobile first and can opened on any browser. There is no specific mobile app available.
sumixx works with several partners such as banks, neobanks, networks, exchanges, compliance engines around the world to ensure fast transactions.
Yes, the sumixx platform is available in all common languages.
Yes. Sumixx AG is a company established in Switzerland and regulated by the Swiss Financial Market Supervisory Authority (FINMA). It operates in compliance with all applicable regulations for financial service providers. sumixx ensures adherence to Anti-Money Laundering (AML) and Know Your Customer (KYC) regulations, offering secure, transparent, and compliant payment solutions for international real estate transactions.
By cross-border payments mean, International transfer of funds between entities located in different countries
No, sumixx will not have access to your account or keep your money. Once you have sent your payment via sumixx, the agent will receive your money.
The sumixx headquarter is located in Zug, Switzerland.
Yes, you can easily request a demo on our website, after which we will contact you to arrange an appointment.
To do so, go to our website:
1. sumixx.com
2. Click on “Book Demo” in the top right-hand corner of the menu
3. Enter your contact details and we will get back to you
Registration and Verification
To create an account with sumixx, you can either open the invitation link you received or register directly with sumixx. To do so:
1. Go to sumixx.com
2. Click on "Register now"
3. You can now follow the step-by-step instructions to create and register your account with sumixx
An invitation link is a unique URL that contains a security code. It allows a new user to sign up for or join a specific organization, group, or account without having to manually enter additional details. In the context of sumixx, an invitation link is an invitation to join sumixx or pay a payment request. An invitation link can only be created and sent by an agent.
To complete your registration with Sumixx, please provide your personal details, including your full name, email address, and or phone number.
An Agent/Buyer account are two different account types that can be used with sumixx.
An Agent account is assigned to a real estate agent or brokerage, which can send payment invitations to the Buyer. The Buyer is invited by an Agent and can participate in transactions.
A personal account is assigned to a private individual who participates in transactions independently. With a company account, you can register your company and will be assigned to this company. During the verification process, additional steps are required for a company account.
In order to participate in transactions via the sumixx system, your account must first be verified and a mandatory compliance check must be carried out in accordance with requirements such as KYC/AML..
To unlock the full functionality of your sumixx account and participate in transactions, please follow the verification process:
1. Log in to your sumixx account on sumixx.com
2. Click on “Dashboard” in the menu
3. Click on “Complete KYC”
4. Follow the step-by-step instructions
Abbreviation for Anti-Money Laundering. A set of laws, regulations, and procedures designed to prevent criminals from disguising illegally obtained funds as legitimate income. In the context of Sumixx, AML measures include KYC, KYB, KYT, sanctions screening, and transaction monitoring to ensure compliance and protect the integrity of cross-border payments.
Abbreviation for Know Your Customer. A compliance process used to verify the identity of individual users before they can transact on the Sumixx platform.
Abbreviation for Know Your Business. A compliance process that verifies the identity, structure, and ownership of a company before allowing it to transact on the platform.
Abbreviation for Know Your Transaction. A compliance process that monitors and analyzes transactions in real time to detect suspicious or fraudulent activity (e.g., money laundering or sanctions violations).
To verify your personal sumixx account, we require your full personal details, including your full name, nationality, and residential address. In addition, you will need to provide information about your source of income. Finally, all submitted details will be reviewed and verified against your submitted documents.
To verify your personal sumixx account, please provide the following documents:
1. A valid passport or ID card – please note that Dubai residence cards are not accepted.
2. Proof of address – this must be an official document issued within the last 3 months, such as a utility bill, bank statement, rental agreement, or government-issued document. The document must clearly display your full name and the residential address you provided.
Once you have startet the verification process:
1. Begin by providing any missing information, such as your nationality and full adress
2. Afterwads, upload a photo or document of your passport or ID
3. The next step is to allow camera access and follow the liveness check instructions to verify your identity
4. You will then be asked to submit a proof of address document, which will be matched against the address you provided
5. When all steps are successfully completed, your account will be verified and you can particpate in transactions via sumixx
To verify your company sumixx account, we require your complete personal details, including your full name, nationality, and residential address. These details will be verified against the documents you provide. In addition, you will be asked to submit further company information such as the company name, company address, industry, and source of wealth. Please note that additional documents are also required during the verification process to confirm the legitimacy of your company alongside your personal information.
To verify your company sumixx account, please provide the following documents:
1. A valid passport or ID card – please note that Dubai residence cards are not accepted.
2. Proof of personal address – this must be an official document issued within the last 3 months, such as a utility bill, bank statement, rental agreement, or government-issued document. The document must clearly display your full name and the residential address you provided.
3. Proof of company address – an official document issued within the last 3 months, such as a utility bill, bank statement, rental agreement, or government-issued document. The document must clearly display the company’s registered name and address.
4. Corporate formation documents – such as a commercial register excerpt, Certificate of Incorporation, Articles of Incorporation, or other equivalent legal documents.
5. Excerpt of the shareholder register – showing the company’s ownership structure.
Once you have started the verification process:
1.Begin by providing any missing information, such as your nationality and full address
2. After that, submit a photo or document of you passport or ID
3. The next step is to grant access to your camera and follow the instructions for a liveness check
4. You will then be asked to upload a proof of address document, which will be compared with your specified address
5. At this stage, complete your company details, including company name, location, source of wealth, and ownership
6. Following this, upload all the required company documents
7. Once every step has been successfully completed, your account will be verified and you can participate in transactions via sumixx
Proof of address is a document that confirms a person’s current residential address. It is required for KYC/AML compliance to verify identity and prevent fraud. In the context of Sumixx, users may be asked to upload a POA such as a utility bill, bank statement, rental agreement, or official government document not older than 3 months.
Sumixx complies with the requirements of the Swiss Financial Market Supervisory Authority's compliance process. In order to follow these requirements, all persons who would like to participate in transactions via the sumixx system must be verified.
Participation in transactions via Sumixx is not possible without verification of the individual or company. Verification ensures compliance and security in all dealings.
Unfortunately, as long as you have an expired ID/passport, you cannot fully register with sumixx, as we need to verify your identity with a valid document.
The sumixx verification process usually takes only a few minutes. If you encounter any problems, you can contact support at any time.
If you submit insufficient or incomplete documents, we will ask you to provide new ones. In cases of compliance violations, such as breaches of AML regulations, we regret that full verification cannot be completed.
We will inform you directly via the contact details you have provided to sumixx. This will be either your email address or your phone number.
Account
To change your personal information, log in to your sumixx account on sumixx.com:
1. Click on your name
2. Click on "Account Settings"
3. Click on “Edit Profile” and follow the step-by-step process
Please note that any change to your personal information, especially a change of name or address, will require re-verification.
sumixx allows you to store multiple phone numbers or email addresses in your profile.
To make changes, log in to your sumixx account on sumixx.com:
1. Click on your name
2. Click on “Account Settings”
3. Click on “Account” again and then select either Mobile Numbers or Email addresses
4. You can now edit the existing information or add a secondary entry
Please note that any changes will be verified with a confirmation code.
Yes, sumixx offers different types of accounts. You can register with sumixx as a private individual or as a business customer.
Yes, sumixx allows you to link multiple accounts in different currencies for more flexibility when making payments.
sumixx offers an invitation process.
To invite new Buyer, log in to your sumixx account on sumixx.com:
1. Click on “Buyers” in the Dashboard menu
2. Click on “Onboard new buyer”
3. Now follow the step-by-step invitation process and invite the new buyer
Please note that you need an agent profile to invite others
sumixx offers an invitation process.
To invite new Agents, log in to your sumixx account on sumixx.com:
1. Click on “Referred agents” in the Dashboard menu
2. Click on “Onboard agent"
3. Now follow the step-by-step invitation process and invite the new agent
Please note that you need an agent profile to invite others.
A connection request on sumixx is a request from an agent who wants to connect with you in order to make transactions in the future. You can decide for yourself whether you want to accept or reject it.
With sumixx, you can decide who you want to connect with to make transactions.
To manage these connections, log in to your sumixx account on sumixx.com:
1. Click on “Buyers” in the menu
2. You will now see all your connections and can manage them using the three dots
With sumixx, you can decide who you want to connect with to make payments.
To manage these connections, log in to your sumixx account on sumixx.com:
1. Click on “Dashboard” in the menu
2. Click on “Agent connections”
3. You will now see all your connections and can manage them using the three dots
Yes, it is possible to have multiple accounts with sumixx. For example, you can have an agent account and a buyer account.
You have the option of storing multiple user names using multiple email addresses and stored phone numbers. To reset your password, simply click on “Forgot your password” in the login window and reset it.
Yes, since your personal details must match the purchase agreement for transactions with sumixx, you must change any changes to your personal information, including your account.
Payments and Transactions
Yes, book a session with your concierge that will guide you through the payment.
Payments on sumixx are processed instantly, ensuring that your transactions are completed in minutes, not days.
No, sumixx offers transparent pricing with no hidden fees. You’ll always see the exact cost before confirming your transaction.
Yes, all payments can be tracked in real time through your Sumixx dashboard, giving you full visibility over your transactions.
Yes, sumixx allows you to combine funds from multiple accounts or currencies into a single payment for convenience.
Yes, sumixx supports cryptocurrency payments alongside traditional methods, offering even more flexibility.
Please note that you need an agent profile to create a payment.
In your logged-in sumixx account:
1. Click on “Transactions”
2. Click on “Initiate payment”
3. Now please follow the step-by-step instructions and create your payment.
To make a payment via sumixx, certain information or documents are required:
1. Transaction information (title, price, and account details)
2. Purchase agreement and any photos
3. Any futher special notes
To pay a payment request, click on the payment link you received, log in, and follow the step-by-step payment instructions. Please note that once you have decided on a currency pair and want to pay, you have 24 hours for FIAT and 15 minutes for crypto to pay the amount to the corresponding address.
If a payment is blocked or fails, please contact directly the sumixx customer support. They will be able to provide you with more detailed assistance and release the payment again if possible.
If you experience any delays or problems with your money during a transaction, please contact immediately the sumixx customer support.
Yes, you can reject the payment request at any time by clicking the “decline Payment” button.
with sumixx you don't are limited. We are specifically there to carry out high-value transactions.
KYT ensures that the funds being sent have been earned from legal sources and do not violate financial regulations.
No, it is not possible to set up recurring payments. You must create a new payment for each transaction.
Once your money has been received, you will receive a confirmation from us, which you can view via your dashboard.
If there is a problem with your transaction, please contact our sumixx customer support as soon as possible. They will assist you promptly.
sumixx displays the current exchange rate before each transaction with no hidden costs.
It is possible to view the status of all your payments at once. To do so, log in to your sumixx account:
1. Click on “Transactions” in the menu
2. You can then decide for yourself in the dashboard and filter your transactions by: All, Requested, In Progress, Blocked, Completed, and Declined
Real Estate Listings
Please note that you need a Agent profile to create a Listing.
In your registered sumixx account:
1. Click on “Listings”
2. Click on “Add listing”
3. Now follow the step-by-step instructions to finalize your listing
You can invite multiple Buyers to a listing and send a payment request, regardless of how many interested parties you have on your listing.
Listings are explicitly designed to display and publish your properties with the property informations.
With the help of Initiating Payments, you can then send payment invitations to buyers so that they can pay via sumixx.
Once you have sold your listing, you can archive it.
To do this, log in to your account:
1. Click on “Listings” in the menu
2. Click on the listing you want to archive
3. Click on “Archive listing”
To publish a real estate listing via sumixx, certain basic information is required:
1. Basic information about the property (type of house, size, location, and price)
2. Related documents such as floor plans, purchase offers, and pictures
To view a real estate listing as a buyer, the corresponding Agent/Seller must send you a payment request, which will provide you with all the relevant information.
For transactions via sumixx, the established compliance process ensures that all parties involved are verified (KYC) and that the money does not originate from illegal activities (KYT).
Security and Compliance
Absolutely. sumixx uses advanced encryption and fraud protection measures to ensure that all transactions are safe and secure.
sumixx uses the KYT procedure for FIAT transactions and blockchain analysis for cryptocurrencies to ensure that the money
really belongs to someone and does not originate from illegal activities. All participants via sumixx are verified in accordance with international compliance regulations such as AML and KYC.
Yes, sumixx strictly adheres to international AML (Anti-Money Laundering) and KYC (Know Your Customer) regulations, ensuring all transactions are lawful and protected.
If a payment is flagged, our compliance team will review it and reach out to you for any additional information required to complete the transaction.
Yes, you can activate two-factor authentication on your sumixx account.
To do so, log in to your sumixx account:
1. Click on your name in the menu
2. Click on “Account settings”
3. Click on “Account” in the menu that appears
4. Click on “Activate MFA” and follow the step-by-step instructions
Yes, sumixx performs regular updates to ensure security.
If you notice any unusual activity that you did not initiate, please contact our sumixx customer support immediately. We also recommend that you enable MFA to mitigate such issues.
No, sumixx is subject to Swiss financial regulatory authority (FINMA) and is obligated not to disclose any customer data.
To protect your account as effectively as possible, we recommend that you create a password that is as long and secure as possible based on our guidelines and also activate MFA.
Support
You can contact our support team 24/7 via the live chat button on our website or you can call us directly.
You can view all transaction details in your Sumixx dashboard or contact support for assistance.
If you face any issues, contact our support team immediately. We’re here to help resolve any concerns as quickly as possible.
The support is available at any time to help you with problems or clarify any uncertainties.
sumixx support is available in every common language and will be happy to help you.
You can easily find the terms and conditions and privacy policy on our sumixx website:
1. Go to our sumixx website: sumixx.com
2. Scroll all the way down to the bottom of the page
3. Click on “Terms & Conditions” or “Privacy Policy”