RC365's Nexara partnership opens a wealth-management route for RC3.0

RC365 Holding has announced a strategic partnership that could broaden the use of its financial technology beyond its established merchant customer base.

Its RCPAY subsidiary has entered into an agreement with Hong Kong-based Nexara Capital, covering multi-currency virtual accounts, software integration and related financial technology services.

The strategic logic is reasonably clear. Nexara intends to use RCPAY's RC3.0 Virtual Account solution for its financial-services and wealth-management activities, giving RC365 an opportunity to demonstrate the platform in a regulated sector.

However, investors should recognise what has and has not been signed. This is a framework agreement, with the detailed service scope, fees and operational arrangements still to be agreed separately.

What has RC365 agreed with Nexara Capital?

The partnership establishes a framework under which RCPAY and Nexara can cooperate on virtual banking accounts, application programming interface integration and other financial technology services.

An application programming interface, or API, allows separate software systems to exchange information and instructions automatically. In this case, the proposed integration is intended to support data synchronisation, virtual account allocation and transaction updates.

It may also create API connectivity to securities-trading infrastructure within the Nexara group. That element remains subject to regulatory requirements and separate commercial arrangements.

The agreement became effective on 22 July 2026. It has an initial term of one year and will renew automatically for further one-year periods unless either party gives at least 60 days' notice of non-renewal, or the agreement is otherwise terminated under its terms.

Partnership detail	Disclosed position
RC365 subsidiary	RCPAY Limited
Partner	Nexara Capital Limited
Effective date	22 July 2026
Initial term	One year
Automatic renewal	Successive one-year periods
Non-renewal notice	At least 60 days
Commercial value	Not disclosed
Fee schedules	To be agreed separately
Supported currencies and jurisdictions	To be agreed separately
Service launch date	Not disclosed

Why Nexara matters to RC365

RC365 says this is RCPAY's first client relationship with a Hong Kong financial-services group whose subsidiaries hold Securities and Futures Commission licences for Type 1, Type 4 and Type 9 regulated activities.

These cover dealing in securities, advising on securities and asset management respectively.

Nexara's group also provides custody services and has expanded its offering to include virtual asset services. Under the partnership, it intends to use RCPAY's virtual accounts and API infrastructure to support its operations and international development.

That potentially gives RC365 a useful reference relationship in wealth management. The company has previously supplied payment solutions and financial-system technology, but this agreement is intended to extend the potential application of RC3.0 beyond e-commerce merchants.

The distinction matters. If RC365 can successfully implement its technology for a regulated financial-services group, it may strengthen the case for offering similar infrastructure to other businesses with complex payment, account and compliance needs.

How the RC3.0 model is meant to work

RC365 describes RC3.0 as a business-to-business-to-consumer, or B2B2C, model. Rather than dealing only with an end customer, RCPAY provides technology to a corporate client, which can then use that infrastructure to serve its own customers.

For Nexara, the proposed package combines several elements:

• Multi-currency virtual accounts
• Payment functionality
• Software-as-a-Service technology
• Automated data and transaction updates
• Connections to third-party financial services through APIs

Software-as-a-Service, commonly shortened to SaaS, means customers access hosted software rather than building and maintaining the entire system themselves.

The virtual-account service remains subject to successful onboarding, compliance approval and written agreement over the applicable scope. This is important because the announcement describes intended implementation rather than confirming that all services are already operational.

Compliance is central to the arrangement

Payments, wealth management and securities infrastructure all carry meaningful regulatory obligations. The agreement therefore includes provisions dealing with anti-money laundering controls, sanctions compliance, transaction monitoring and regulatory cooperation.

It also covers know-your-customer and know-your-business procedures, known as KYC and KYB. These checks are used to verify the identity and legitimacy of customers and corporate counterparties.

Both parties have agreed to cooperate in maintaining compliance standards throughout the relationship. For investors, that provides reassurance that regulatory responsibilities form part of the framework, although the successful completion of onboarding and approval processes will still be necessary before relevant services can proceed.

The main positives for shareholders

The first positive is product validation. Nexara's intended adoption of RC3.0 would place the virtual-account solution in a wealth-management setting, broadening its potential use beyond e-commerce.

Second, the partnership could improve RCPAY's Wealth Management SaaS proposition. The planned technical framework includes the possibility of a system-ready API connection to securities-trading infrastructure, subject to the relevant conditions and commercial agreements.

Third, the relationship supports RC365's stated aim of expanding its payment-services offering and virtual-account capabilities across Asia. Nexara is based in Hong Kong, where RC365 already operates, and the board believes the partnership may provide opportunities in the wider Asian fintech and wealth-management markets.

Finally, the agreement offers a practical example of the B2B2C strategy. RC365 will be looking to show that its corporate clients can combine accounts, payments and software to build services for their own underlying customers.

What investors should treat cautiously

The largest limitation is the lack of financial detail.

No contract value, minimum revenue commitment, fee schedule or expected profit contribution has been disclosed. Individual service implementations are expected to provide future commercial opportunities, but the announcement does not quantify them.

Several important details remain subject to separate written agreements, including:

• The exact services to be provided
• Supported jurisdictions and currencies
• Settlement arrangements
• Fees
• API specifications
• Service levels
• Operational procedures

There is also no disclosed timetable for the first service becoming operational. Onboarding and compliance approval must be completed, while parts of the proposed API connectivity require separate commercial arrangements and must satisfy applicable regulatory requirements.

This means investors should avoid treating the partnership framework as equivalent to booked revenue. Its value will depend on whether specific services are agreed, launched and used at a commercially meaningful scale.

Execution is now the key test

RC365 has secured a potentially useful route into Hong Kong's wealth-management sector and a chance to demonstrate how RC3.0 can support a regulated financial-services business.

The strategic fit looks sensible: virtual accounts, payment technology and automated software connections all sit within RC365's stated fintech offering. The relationship may also help RCPAY build credibility as it expands its infrastructure across Asia.

The next meaningful developments would be completed onboarding, signed service schedules, operational launches and clearer financial terms. Until those arrive, the Nexara agreement is best viewed as a promising commercial framework rather than a quantified earnings event.