Noah payments alternative that runs customer checks in your app
Unigox is a Noah payments alternative for apps that are not regulated themselves, pay their own customers from USDT or USDC and want the identity check in their own screens. Regulated firms, US customers and payroll stay with Noah.
When to stay with Noah
You are regulated and already verify customers
Noah's Reliance Model takes simplified KYC data from a regulated business in one API call, with no hosted redirect. It covers EUR flows only; USD still goes through the hosted Standard Model. Noah has also announced MiCA and PSD2 licences covering the EU.
Your customers need USD account details or live in the US
Noah issues named USD, EUR and GBP virtual accounts; Unigox customer accounts are EUR and GBP only, requested after your own KYB. Unigox does not currently offer its services in the United States, where Noah holds state money transmitter licences.
You pay staff, contractors or suppliers
Noah pays first or third parties, people or businesses, by bank, mobile money, digital wallet or cash pickup, and sells payroll and supplier payments. On Unigox a cash-out goes to a customer of yours that Unigox has verified; payments to suppliers and other third parties run on supported routes confirmed before integration.
Who verifies and pays your customer: Noah vs Unigox
| Topic | Noah | Unigox |
|---|---|---|
| Who can be paid | First or third parties, people or businesses, by bank transfer, mobile money, digital wallet or cash pickup; card payouts through its hosted off-ramp. | Your own verified customer, to a bank or mobile money account in that customer's name. Payments to suppliers and other third parties run on supported routes confirmed before integration. |
| Customer identity check | The Standard Model: Noah contracts with your customer, who accepts Noah's terms in a Noah hosted session and does liveness there unless a Sumsub check is shared. Prefilled data shortens the session but does not remove it. | Your server sends the customer's details with an ID document and a selfie, reuses an eligible Sumsub or Persona check, or opens a Unigox verification link. |
| Messages to your customer | Noah emails a receipt after each transaction that cannot be white-labelled, customised or switched off, and may contact the customer about compliance. | Order status, refunds and identity check results reach your server as signed webhooks, for your app to show. |
| Funding the payout | From a prefunded balance in your Noah account, or triggered by a customer's crypto deposit. A payout rejected in compliance review is refunded to the stablecoin account or the sending wallet. | From USDT or USDC topped up in your partner wallet. Your server signs each transfer into escrow, and signs the refund that returns a stopped payout to the wallet. |
| Pricing | No price list on its site; pricing starts with a demo. You can pass Noah's fees on in full or in part, or absorb them. | Each quote shows the rate, the Unigox fee for that currency and payment method, your own percentage and the total. Your fee reaches the partner wallet as each order completes. |
| Getting started | Self-serve sandbox sign-up, with testing allowed while Noah runs KYB. Request signing is mandatory in production, and Noah puts a white-label integration at 2 to 3 weeks from contract. | A call to agree markets and setup, then KYB. After approval you get API keys and a sandbox with the same endpoints as production. |
| Regulation | Noah US, Inc. (NMLS 2696057) holds US state money transmitter licences; Noah Savings, Inc. is registered as an MSB in Canada; Noah LT, UAB is registered as a VASP in Lithuania. Noah has announced EU MiCA and PSD2 licences. | Unigox works through two companies: UNIGOX NETWORK CORP. in Canada handles the local-money side and is registered with FINTRAC as a money services business and with the Bank of Canada as a payment service provider; UNIGOX NETWORK CORP. in Panama handles the crypto side, including wallets and escrow. |
UnigoxMove customer payouts from Noah to Unigox
Map your Noah onboarding models
List the Noah payouts that go to your own customers and mark which of those customers onboard through Noah's hosted session and which through the Reliance Model. Your company then passes Unigox KYB; Noah's business review does not carry over.
Put the identity check in your app
Replace the redirect to Noah's hosted session with your own screen that sends details, ID document and selfie to Unigox, or reuse a customer's eligible Sumsub check.
Replace the payout calls and fund the wallet
Noah's two sell calls (prepare, then create) become a Unigox quote and an order your server signs. Test them in the sandbox, top up the partner wallet with USDT or USDC, then move to the production key.
Questions about Noah alternatives
Which Noah payments alternative suits a non-regulated app?
Unigox, when the app pays its own customers from USDT or USDC. On Noah such an app uses the Standard Model, where each customer accepts Noah's terms in a hosted session; on Unigox the identity check is sent from the app itself. A regulated business with its own KYC can use Noah's Reliance Model instead, for EUR flows only.
See all business comparisonsWhat does the Noah payments API do?
Noah sells one API for three jobs. Named USD, EUR and GBP virtual accounts turn bank deposits into stablecoins. Payouts turn crypto into local money by bank, mobile money, wallet or cash pickup. Rules trigger payouts automatically.
Is Noah a crypto exchange?
Not in its own description. Noah calls itself stablecoin-powered payments infrastructure for businesses, though its compliance docs describe it as the fiat-to-crypto exchange that holds the relationship with your customers under the Standard Model. Platforms embed its accounts and payouts for their users, and finance teams use its dashboard for their own payments.
Does Noah publish its payout fees?
No. Its payout docs list no prices and point to a demo, and its site says a business can pass Noah's fees to customers fully or partly, or absorb them. On Unigox every quote states the rate, the Unigox fee, your own percentage and the total before the order.
Price your customer payouts against Noah
Tell us how your customers onboard with Noah, hosted session or Reliance, and which payouts go to them in which currencies. We reply with what the Payments API covers and what each quote would show.
Noah and other names and logos are trademarks of their respective owners. Unigox is not affiliated with, endorsed or sponsored by them. Information about other companies comes from public sources, mainly the companies' own websites, and each company can change its products and fees at any time.