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MMMX is a multi-tenant treasury, FX, and compliance platform for licensed Money Service Operators (MSOs). It gives your team one auditable system for entries, balances, deals, entity KYC, and regulatory controls — with each MSO company isolated in its own workspace.

Choose the Trial plan on the Pricing page, enter your company name, work email, and admin password. Your tenant is provisioned immediately — no card required. You can also submit a registration request if you prefer onboarding assistance.

MMMX is designed for MSO operators, treasury teams, and compliance officers who need real-time balances, paired deposit/withdrawal and FX entries, KYC scoring, ClearDil screening, and role-based permissions with a full audit trail.

The operator interface supports English and Traditional Chinese (zh-Hant). Use the language toggle in the header to switch; your preference is remembered for signed-in users.

An entry is a single ledger record of money movement — a deposit, withdrawal, FX trade, adjustment, expense, bank charge, or other outflow. Each entry has a unique UID (for example TXN-DEP-2026-00042), a trade date, amount, currency, status, and links to the balance-holding entity (channel or counterparty). Only entries with status DONE affect balances.

Deposit, Withdrawal, FX, Adjustment, Expenses, Bank Charges, and Others. Deposits increase balance; withdrawals and most outflows decrease it. FX entries simultaneously sell one currency and buy another. Adjustments correct balances manually; Others defaults to a decrease and requires remarks.

New entries start as WAITING, then move to PENDING or ATTENTION for review. Operators with approval permission move entries to DONE; only DONE entries update balances. ATTENTION is set automatically when an involved entity's KYC is not approved. Cancelled entries are excluded from balances and are never hard-deleted.

On the single-entry form, Deposit and Withdrawal always create two explicit legs: a channel leg and a counterparty leg. For example, a deposit credits the channel unprocessed bucket and debits the counterparty unprocessed bucket. This mirrors how MSO treasury flows work and keeps the audit trail complete.

Channel legs represent your settlement channels (banks, wallets, payout rails). Counterparty legs represent the other side of the flow (customers, partners, nostro accounts). Balance sufficiency checks apply to channel withdrawals and processed-bucket debits; counterparty legs skip those checks by design.

A deal groups multiple entries that belong to one logical transaction — for example an FX round-trip with its funding deposits and withdrawals. Deals have a UID (DEAL-YYYY-sequence), optional name and description, and link entries via the Entry.deal field. Grouping helps operators track outstanding flows and review related legs together.

Deal status is computed, not manually set. If the deal has no entries it is OUTSTANDING. If every linked entry is DONE, the deal is DONE. Otherwise it remains OUTSTANDING. If any entry in the deal is ATTENTION, the deal shows an Attention badge in the UI.

From the entry list, multi-select entries and choose Add to Deal — pick an existing deal or create a new one. From a deal page, use Add Entry to create a linked entry or attach an existing unlinked entry. Removing an entry from a deal clears the link without deleting the entry.

The score is rule-based and auto-computed from entity profile completeness, typed documents, and an optional compliance override (0–30 points with a mandatory reason). Corporate entities are scored on identity, HK filings, business profile, contact/location, and uploaded BR, CI, and board resolution documents. Individuals are scored on identity, contact, and ID/bank documents. ClearDil screening contributes 50% of the checklist score; the profile and document rules contribute the other 50%. The checklist JSON on each entity shows the full breakdown.

Risk tier is derived from the score using per-tenant thresholds in Settings. By default: score ≥ 80 is LOW, ≥ 50 is MEDIUM, ≥ 20 is HIGH, and below 20 is PROHIBITED. Saving new thresholds recalculates tiers for all entities in your company. PROHIBITED entities require a manager override to approve entries to DONE.

Corporate entities use BR, CI, and BOARD_RESOLUTION document types. Individuals use BANK_STATEMENT, HKID, OTHER_ID, and TRAVEL_DOCUMENT. Upload assigns a type per file; the gallery lets you re-tag existing documents. Points are awarded when the required document types are present — see the checklist on the entity KYC panel for your entity's current status.

ClearDil is triggered manually — an operator with screening permission clicks Run screening on the entity KYC panel. Results are stored as screening hits for review; ClearDil does not automatically change kyc_status or risk_tier. Screening quota is included with your subscription plan and does not reset each billing cycle; purchase a top-up when your allocation is used.

Entries automatically move to ATTENTION when any involved entity (channel, counterparty, payer, payee, or originator) has KYC status other than APPROVED. Resolve the entity's KYC review, then approve the entry. Entries involving PROHIBITED-risk entities can be created and edited, but moving to DONE requires admin or entries.approve permission with a documented override.

Each channel or counterparty entity tracks balance per currency in two buckets. Unprocessed holds incoming funds not yet settled for payout — you cannot withdraw from it. Processed holds funds available for channel withdrawal. Total balance is unprocessed plus processed and is used for mark-to-market (MTM) valuation.

Balances update in real time when an entry transitions to or from DONE. PENDING, WAITING, and ATTENTION entries are provisional and do not affect positions. A nightly reconciliation task also recomputes all balances from DONE entries to catch any drift.

Today's P/L is the net change in total MTM since the start of the calendar day — not a gross sum of entry amounts. It uses current FX rates for both today's position and the balance implied by DONE entries dated before today, so a same-day FX round-trip that nets to zero shows Today = 0.

Counterparty balance rows require the balances.view_counterparty permission. Viewers see channel entities only. Ask your company admin to grant the permission if your role needs full treasury visibility.

MMMX offers a free Trial (30 days, up to 50 users, 3 KYC scans), Starter (HK$2,600/month, 3 seats, 100 KYC scans), Professional (HK$4,000/month, 15 seats, 500 KYC scans), and Enterprise (HK$26,000/month, 25 seats, 1,000 KYC scans). Paid plans bill monthly in HK$ via Stripe.

No. KYC screening allocations are included with your plan and do not reset each billing cycle. When your allocation is used up, purchase a top-up to continue screening. Professional and Enterprise subscribers receive discounted top-up pricing.

Enter your company details and admin credentials on checkout, then complete payment via Stripe (or start the free trial without a card). MMMX automatically provisions your company workspace, subscription, settings, ClearDil quota, and admin user. Sign in with the email and password you chose to begin operating.

Manage your Stripe subscription through the billing portal or contact us. Plan changes and seat limits are enforced per subscription tier; invite additional users within your seat allocation from Settings after sign-in.