PDAX Integrates Personal InstaPay QR for Direct Fiat Deposits

Philippine cryptocurrency exchange PDAX has introduced a new feature that enables users to fund their accounts using personalized InstaPay QR codes, streamlining the fiat deposit process for local traders.

According to an advisory sent to users, individuals can now generate a unique InstaPay QR code directly within the PDAX application. The code can be saved and scanned or uploaded into any participating e-wallet or banking app to instantly initiate a fund transfer.

To use the new cash-in method, users open the PDAX app and navigate to the “Cash In” section from either their home or portfolio page. By selecting the “My QR” option under account details, the app generates the personal InstaPay QR code needed to complete the transaction.

The integration bypasses manual entry of account numbers and routing details, offering a more direct fiat on-ramp. InstaPay is an electronic fund transfer service governed by the Bangko Sentral ng Pilipinas (BSP) under the National Retail Payment System framework, enabling near-instant transfers of Philippine Pesos between BSP-supervised banks and non-bank e-money issuers.

Other Recent Developments

PDAX has also expanded into tokenized real-world assets (RWAs), recently launching a trading feature that allows users to invest in gold-backed digital assets for a minimum of ₱500. The exchange’s broader push into RWAs aligns with its “Project Bayani” initiative, under which it partnered with venture firms Saison Capital and Onigiri Capital in late 2025 to forecast that the Philippine tokenized asset market could reach $60 billion by 2030, driven by tokenization of treasury bonds and other traditional instruments.

On the infrastructure front, PDAX announced in December 2025 that it joined Stripe’s Tempo blockchain testnet to develop low-cost, enterprise-grade payment frameworks in the country. This follows a separate enterprise partnership with Web3 payroll provider Toku, enabling companies to issue stablecoin-based compensation that remote workers and contractors can instantly convert into Philippine Pesos via the PDAX platform.