Nixxy, Inc. Announces Strategic Partnership with PayToMe.co to Accelerate Telco + Fintech Convergence

Rhea-AI Summary

Nixxy (NASDAQ: NIXX) announced a strategic partnership with PayToMe.co on February 12, 2026 to integrate embedded payments, invoicing, and AI-driven compliance into Nixxy's global telecom and messaging infrastructure.

The deal targets payment-enabled messaging, invoice-to-settlement workflows, cross-border compliance, and programmable communications-to-settlement automation, leveraging PayToMe.co's connections to 12,000 financial institutions and partners including Stripe, Plaid, IBM, NVIDIA, and AWS.

News Market Reaction – NIXX

-9.30%

9 alerts

-9.30% News Effect

-20.0% Trough in 8 hr 19 min

-$1M Valuation Impact

$14M Market Cap

0.6x Rel. Volume

On the day this news was published, NIXX declined 9.30%, reflecting a notable negative market reaction. Argus tracked a trough of -20.0% from its starting point during tracking. Our momentum scanner triggered 9 alerts that day, indicating moderate trading interest and price volatility. This price movement removed approximately $1M from the company's valuation, bringing the market cap to $14M at that time.

Data tracked by StockTitan Argus on the day of publication.

Key Figures

Integrated institutions: 12,000 financial institutions

1 metrics

Integrated institutions 12,000 financial institutions PayToMe.co platform integrations mentioned in partnership release

Market Reality Check

Price: $0.5230 Vol: Volume 666,517 is close t...

normal vol

$0.5230 Last Close

Volume Volume 666,517 is close to 20-day average 689,866 with relative volume 0.97. normal

Technical Price at 0.57 is trading below the 200-day MA of 1.53 and is 80.47% below the 52-week high.

Peers on Argus

Sector peers are mixed: IPDN appeared on momentum scanners -4.26% while other pe...

1 Down

Sector peers are mixed: IPDN appeared on momentum scanners -4.26% while other peers like GLXG (8.76%) and IPDN in sector context (4.44%) show varied moves, suggesting stock-specific drivers for NIXX rather than a unified sector move.

Historical Context

5 past events · Latest: Jan 26 (Positive)

Pattern 5 events

Date	Event	Sentiment	Move	Catalyst
Jan 26	Execution update/outlook	Positive	-6.2%	2025 execution progress and 2026 growth plans across AI-enabled infrastructure.
Jan 05	Business separation	Positive	+3.9%	Completion of CognoGroup spin-out to sharpen AI infrastructure focus.
Dec 04	CFO appointment	Positive	+2.6%	Appointment of experienced CFO to support scaling and larger transactions.
Dec 03	Revenue run-rate update	Positive	+23.9%	Acceleration to about $180M annualized revenue and path to profitability.
Nov 21	Product development	Positive	-0.9%	Leadnova.ai entering User Acceptance Testing targeting Q1 2026 beta.

Pattern Detected

Recent news skew positive, with three prior announcements seeing positive price reactions and two showing negative reactions, indicating mixed but slightly favorable responsiveness to corporate updates.

Recent Company History

Over the last several months, Nixxy reported rapid scaling of its AI-enabled telecom platform, highlighted by revenue run-rate expansion to about $180M annualized and expectations of operational profitability in Q1 2026. The company also advanced its AI sales platform Leadnova.ai toward commercial beta and completed the separation of CognoGroup, retaining about 19.99% equity. Leadership was strengthened with a new CFO and a 2025 execution update/2026 outlook focused on infrastructure growth. Today’s partnership deepens the strategy of layering fintech workflows onto its communications backbone.

Market Pulse Summary

The stock moved -9.3% in the session following this news. A negative reaction despite strategically ...

Analysis

The stock moved -9.3% in the session following this news. A negative reaction despite strategically consistent news fits a pattern where some prior positive updates saw mixed price responses, including a -6.22% move after the 2025 execution update. The partnership extends the shift toward “communications + commerce” but adds integration and regulatory execution risk around cross‑border and compliance workflows. Sustained value from this deal would depend on converting these capabilities into measurable ARPU uplift and recurring revenue traction over time.

Key Terms

embedded payments, ai-driven compliance, mobile-to-mobile commerce, cross-border compliance, +4 more

8 terms

embedded payments financial

"embedded payment and invoicing capabilities into Nixxy's global telecom footprint"

Embedded payments are a way for businesses to accept and process money directly inside their own products or services, so customers can pay without leaving the app or website. For investors, this matters because it can increase sales, create steady transaction-based revenue, reduce friction for customers (like paying for a ride inside the ride-hailing app), and generate useful payment data that can boost profit margins and customer loyalty.

ai-driven compliance regulatory

"embedded payments and AI-driven compliance automation, you don't just add a feature"

AI-driven compliance means using artificial intelligence tools to watch, interpret and help enforce laws, regulations and internal rules across a company’s data and processes. For investors it matters because these systems can find problems faster, reduce the chance of costly fines or surprises, and lower ongoing compliance costs — like an automated watchdog that alerts management before small issues become expensive legal or operational headaches.

mobile-to-mobile commerce financial

"including cross-border services and mobile-to-mobile commerce, disciplined, practical"

Mobile-to-mobile commerce is buying, selling or transferring money directly between smartphones or tablets without needing a desktop, paper cheque, or physical cash — for example paying someone or scanning a code to complete a purchase using two phones. It matters to investors because it changes how quickly and cheaply transactions happen, creates new revenue opportunities from fees and services, and can boost user engagement and market reach much like adding a new, faster lane to a busy highway.

cross-border compliance regulatory

"mobile payments, digital invoicing, and cross-border compliance workflows"

Cross-border compliance is a company's obligation to follow the different laws, tax rules, reporting standards and industry regulations that apply when it does business in more than one country. Like a driver who must obey different traffic rules in each country they pass through, firms must adapt processes and controls to multiple legal systems; investors care because failures can lead to fines, halted operations or damaged reputation, while solid compliance reduces legal risk and makes future growth more predictable.

programmable workflows technical

"Programmable workflows that connect communications, identity, risk, and settlement steps"

Programmable workflows are software-created sequences of steps that automatically move tasks, data and approvals through a business the way a recipe guides cooking. For investors, they matter because they cut manual work and errors, speed up product development or regulatory filings, and provide a clear audit trail — all of which can lower costs, reduce compliance risk and help a company scale operations more predictably.

kyc/kyb regulatory

"AI-enabled compliance automation, including KYC/KYB and risk workflows"

KYC (Know Your Customer) and KYB (Know Your Business) are checks that financial firms and platforms use to verify the identity and legitimacy of individual clients and corporate customers. Like a bank checking ID or a landlord vetting a tenant, these processes reduce fraud, money laundering, and regulatory risk; they matter to investors because robust KYC/KYB lower legal and reputational exposure, influence operating costs, and affect a company’s ability to grow or access markets.

workflow automation technical

"Fraud and risk reduction through workflow automation and policy controls"

Workflow automation is the use of technology to perform repetitive tasks automatically, reducing the need for manual effort. It is similar to setting a machine to handle routine chores so that people can focus on more important activities. For investors, it means faster, more efficient processes that can improve decision-making and reduce errors across various business functions.

usage-based revenue models financial

"New licensing and usage-based revenue models aligned with margin expansion"

Usage-based revenue models charge customers according to how much they use a product or service—like paying a water or electricity bill rather than a flat monthly fee. Investors care because revenue grows with customer activity, which can drive faster, more efficient scaling and closer alignment between price and value, but it can also make sales and cash flow more variable and sensitive to changes in customer behavior.

AI-generated analysis. Not financial advice.

Combining Global Telecom Rails with Embedded Payments and AI-Driven Compliance to Unlock New Monetization Pathways Across Messaging, Voice, and Cross-Border Workflows

NEW YORK, NY / ACCESS Newswire / February 12, 2026 / Nixxy, Inc. ("Nixxy" or the "Company"), a rapidly scaling communications and data infrastructure platform, today announced a strategic partnership with PayToMe.co ("PayToMe"), an AI-native fintech and financial automation company focused on mobile payments, digital invoicing, and cross-border compliance workflows. The partnership is designed to integrate PayToMe.co's proven embedded payment and invoicing capabilities into Nixxy's global telecom footprint, bringing payments, settlement, and compliance automation closer to where customer engagement already happens, SMS, voice, and messaging. By layering fintech workflows onto Nixxy's telecom rails and data infrastructure, the companies aim to create new, recurring, high-value revenue streams while enhancing customer experience and operational efficiency.

"Telecom and fintech are converging in a very real way," said Mike Schmidt, CEO of Nixxy. "When you combine carrier-scale communications with embedded payments and AI-driven compliance automation, you don't just add a feature, you open up an entirely new category of revenue and utility on top of existing volume. This partnership supports our strategy to expand from communications into adjacent, high-growth ecosystems, including cross-border services and mobile-to-mobile commerce, disciplined, practical, and built on infrastructure we already operate. This was always the plan, Scale the engine. Improve the mix. Move up the stack."

PayToMe.co contributes an AI-native fintech and financial automation platform, including mobile-to-mobile embedded payment infrastructure already proven across ecommerce, travel, and hospitality, and global supply chain ecosystems. Nixxy intends to enable these capabilities across its communications pathways so that outreach, confirmation, invoicing, billing, and payment can occur inside a single messaging or voice-driven workflow.

In practical terms, the partnership is expected to support use cases such as:

• Payment-enabled messaging for customer support, reminders, and transactional engagement

• Invoice-to-settlement workflows for SMEs and enterprise customers

• Cross-border payment and compliance automation integrated into communications journeys

• Programmable workflows that connect communications, identity, risk, and settlement steps

The partnership is also intended to pursue AI-enabled compliance automation, including KYC/KYB and risk workflows that support cross-border transactions and regulated environments. PayToMe.co's platform is integrated with 12,000 financial institutions globally and supported by leading infrastructure providers, including Stripe, Plaid, IBM, NVIDIA, and AWS ("Amazon Web Services"), to support enterprise-grade deployment and interoperability.

Together, the companies expect to focus on:

• Embedded payments and invoicing across SMS, voice, and mobile engagement

• Automated compliance and settlement workflows across jurisdictions

• Fraud and risk reduction through workflow automation and policy controls

• New licensing and usage-based revenue models aligned with margin expansion

Traditional telecom monetization is often defined by scale and efficiency. By incorporating payments and settlement workflows into communications channels, Nixxy believes it can increase the value of each interaction, shifting from "communications" unit economics toward "communications + commerce" economics.

The Company believes the partnership can support:

• Higher ARPU potential through value-added fintech workflows

• Transaction-based and recurring revenue opportunities that complement existing traffic

• Reduced operational friction via automation and integrated workflows

• Faster cross-border settlement experiences for customers operating globally

Partnership Structure and Next Steps
The partnership is structured to preserve independence and intellectual property ownership for both parties, while enabling product collaboration, commercial coordination, and platform integration. The companies expect to pursue phased deployment aligned with customer demand, regulatory requirements, and technical integration milestones.

"PayToMe.co was built for the future of mobile-first AI infrastructure and financial workflows," said Mike Ulker, CEO of PayToMe.co. "Partnering with Nixxy brings those capabilities into carrier-scale communications environments where customer engagement is already happening. We see this as a powerful step toward frictionless, compliant mobile commerce at a global scale."

About Nixxy, Inc.
Nixxy, Inc. (NASDAQ:NIXX) is a communications and data infrastructure company focused on scaling carrier-grade telecom rails spanning messaging, voice, and automation-enabled workflows. The Company is focused on executing disciplined growth across communications and adjacent ecosystems where infrastructure, identity, and transaction workflows converge.

About PayToMe.co
PayToMe.co is an AI-native FinTech pioneer building the world's most intelligent financial infrastructure for businesses of all sizes. Founded in Silicon Valley, PayToMe.co provides a unified platform for embedded payments, AI bookkeeping, intelligent invoicing, compliance automation, and cross-border transaction management-helping companies scale faster and operate smarter through intelligent automation and real-time financial insight.

Forward-Looking Statements
This press release contains "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995, including statements regarding the expected benefits, integration outcomes, commercialization, revenue opportunities, margin impacts, customer adoption, and future plans related to the partnership. Forward-looking statements are based on management's current expectations and are subject to risks and uncertainties that could cause actual results to differ materially, including but not limited to: integration and implementation risks, customer demand and adoption, regulatory and compliance requirements, competitive dynamics, operational execution, and other risks described in the Company's filings with the Securities and Exchange Commission. Forward-looking statements speak only as of the date made, and the Company undertakes no obligation to update these statements except as required by law.

Contact Information
Investor Contact: Nixxy, Inc.
Investor Relations Email: IR@nixxy.com
Phone: (877) 708-8868

SOURCE: Nixxy, Inc.

View the original press release on ACCESS Newswire

FAQ

What does the February 12, 2026 NIXX partnership with PayToMe.co mean for Nixxy shareholders?

It signals strategic expansion into fintech-enabled revenue streams tied to communications. According to the company, the partnership layers embedded payments and invoicing onto telecom rails to pursue transaction-based and recurring revenue alongside existing traffic.

How will NIXX integrate PayToMe.co's capabilities into messaging and voice workflows?

Nixxy plans to embed payments, invoicing, and settlement directly within SMS and voice workflows. According to the company, integrations will enable outreach, confirmation, invoicing, billing, and payment inside single messaging or voice-driven customer journeys.

Does the NIXX and PayToMe.co partnership address cross-border compliance and KYC/KYB?

Yes, the partnership targets AI-enabled compliance automation for cross-border transactions. According to the company, it will pursue KYC/KYB and risk workflows integrated into communications to support regulated environments and faster settlement.

What scale and partners does PayToMe.co bring to the NIXX deal announced February 12, 2026?

PayToMe.co brings global financial connectivity and major infrastructure partners. According to the company, the platform is integrated with 12,000 financial institutions and supported by Stripe, Plaid, IBM, NVIDIA, and AWS for enterprise deployment.

How will the NIXX–PayToMe.co partnership potentially affect NIXX revenue models and ARPU?

The partnership aims to shift unit economics toward communications-plus-commerce, potentially raising ARPU via value-added fintech workflows. According to the company, transaction-based and recurring revenue models are expected to complement existing traffic revenue.

What are the next steps and structure of the NIXX and PayToMe.co partnership?

The companies will preserve independence while collaborating on product and commercial integration in phases. According to the company, deployment will follow customer demand, regulatory requirements, and technical integration milestones.