EMQ

About EMQ

EMQ, founded in 2014 by Max Liu and registered in Hong Kong, operates as a key fintech infrastructure company specializing in global cross-border payments. The company was established to address the complexities and inefficiencies of international money transfers, aiming to build a more streamlined and transparent financial network. Liu's professional background, which includes experience at a global consulting firm advising financial institutions on business and technology strategies, directly informed EMQ's mission to simplify the global payments landscape.

The firm's core business revolves around providing a comprehensive global payment network that facilitates real-time, cross-border settlements. EMQ serves a diverse clientele, including businesses of all sizes, from fintech startups and payment service providers to large enterprises and financial institutions. Its business model is centered on a B2B approach, offering its infrastructure as a service. Revenue is generated through fees on payment transactions processed through its network and from providing its API-powered platform for white-label financial services. This allows clients to embed payment functionalities directly into their own applications, offering services like global remittances, procurement payments, and mass payouts without building the underlying infrastructure themselves.

EMQ's primary offering is its API-powered platform, which provides access to a global network for cross-border payments. Key features include real-time payment processing, multi-currency treasury and settlement, and extensive compliance and anti-money laundering (AML) protocols managed by the company. The platform supports a wide range of payment methods, from bank deposits and cash pick-ups to mobile wallets, spanning across numerous markets in Asia-Pacific, Africa, Europe, and North America. A significant differentiator is the platform's ability to offer a single point of integration for accessing multiple international payment corridors, thereby reducing the complexity and operational overhead for its clients. The company has steadily expanded its network and licensing footprint, securing approvals in jurisdictions like Singapore, Indonesia, Hong Kong, and Canada to ensure regulatory compliance and service reliability.