Crosshub’s B-Pay Breaks Borders with Seamless ID and Payment Tech

Travelers, remote workers, and global app users frequently encounter difficulties with verification and payment when abroad. Each country has its own identity systems—such as driver’s licenses, national IDs, and resident registrations—that don’t match globally. Financial and local apps often reject foreign-issued cards or require local registration, causing friction and limiting access to otherwise great services.

Crosshub’s flagship product, B‑Pay, tackles this core issue head-on by eliminating friction in both identity verification and payment. Built on IDBlock, the system centers authentication around universally recognized passports, sidestepping diverse national ID systems and their inconsistencies

B‑Pay and IDBlock streamline onboarding and payments into a single API flow. With these, app users scan their passports using Optical Character Recognition (OCR) and confirm their identity via selfie-based facial recognition. IDBlock leverages a Self-Sovereign Identity (SSI) architecture and Zero-Knowledge Proofs (ZKP) to verify identity while disclosing minimal data, meeting or beating global privacy standards like GDPR and CCPA

From here, B‑Pay securely connects the user to local payment systems in the destination country. Whether paying for rideshares, ordering delivery, or booking lodging, users can interact with local apps using their foreign-issued card, facilitated seamlessly by the platform’s cross-border infrastructure. This is a very common issue for travelers to Southeast Asia.

B‑Pay’s interface has been carefully crafted to work across cultures. It uses simple, icon-based navigation and localized layouts, minimizing text dependency. The app includes accessibility features such as dark mode and color‑blind support, ensuring broad usability. The design works well because it focuses on universal visual cues and reduces friction.

Today, foreigners often rely on cash, currency exchange, or enrolling in local payment apps, which frequently require national ID numbers, local phone numbers, or domestic bank accounts. Even widely used bank cards may not be accepted on local services. Verifying identity remotely can take days, particularly if involving local banks or physical document checks.

In contrast, B‑Pay neatly bypasses these hurdles. Since nearly every country allows passport-based identification for travelers, IDBlock leverages this global consistency to enable real-time access to local services. Integration with payment platforms like Momo in Vietnam, Stripe globally, and others underpins its reach and effectiveness

Crosshub launched in 2024 with strong institutional support. It is backed by Korea’s Ministry of SMEs and Startups and has existing partnerships with Thales, Stripe, and local super‑apps in Korea. As of mid-2025, the company is conducting proofs of concept with banks and services that target support for overseas citizens and global travelers. They recently opened a Tokyo branch and plan to open a Singapore branch later in 2025.

B‑Pay and IDBlock together offer a scalable, privacy‑respecting way to make “local” services available to anyone, anywhere. In effect, it shrinks borders: a traveler can use foreign apps with minimal fuss, a digital nomad can access local services without leaving a paper trail, and service providers can open themselves to an international user base without compliance headaches.

With global travel and remote work on the rise, the demand for truly global payment solutions is growing rapidly. Crosshub is positioned to make global digital services more accessible than ever before, which is a huge market.

At CES 2026, Crosshub will showcase B‑Pay and IDBlock. The company aims to expand its global partnerships for its API-driven SaaS platform, targeting travel, fintech, and e-commerce markets.

Filed in General. Read more about CES, CES 2026, Korea, Mobile Payments and Travel.