Regulated Global Payments Account

Move Money Globally
in Seconds, Not Days

One account to receive local payments, hold multi-currency fiat & supported digital assets, exchange currencies, and spend across regions.

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Sub-minute cross-border settlement
100% Segregated client funds
50+ Countries supported
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Non-deposit / Not covered by statutory deposit insurance Regulatory Notice & Safeguarding

XEBT is not a bank. We safeguard your funds through segregated arrangements.

XEBT is a financial technology platform. Client funds are maintained separately from corporate operating funds in accordance with applicable safeguarding arrangements.

Segregated Fiat Balances

Client fiat funds are maintained in segregated accounts with regulated financial institutions and kept separate from XEBT's corporate operating funds.

1:1 Backed Digital Assets

Stable digital assets, including USDC and EURC are issued by third-party issuers and are subject to the applicable issuer's reserve, redemption and custody arrangements.

Continuous Authentication

Every transaction is guarded by cryptographic authorization, hardware key support, and automated anti-fraud monitoring.

Live Corridor Estimate

Check transfer costs & delivery speeds

Select a corridor to preview realistic delivery times and transparent network costs.

Updated in real time
You Send $1,000.00 USD
Network Routing Fee Flat fee $1.50 USD
Quoted Rate 1 USD = 0.92138 EUR
Recipient Gets €920.00 EUR
Zero hidden intermediary deductions. Rate held for 30s.
Settlement Speed
Under 30 seconds

Fedwire / ACH inward → USDC rail → SEPA Fast Clearing

Domestic Payout: Funds clear directly into recipient's local account with no foreign wire delays.
Follow One Payment End-to-End

From London to Singapore in Under 30 Seconds

See how XEBT moves value across domestic clearing rails and high-speed settlement layers without correspondent intermediary delays.

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UK Faster Payments

Inward Domestic Transfer

Receive funds locally in London

A client sends £1,000 GBP via UK Faster Payments. Money lands in your dedicated GBP wallet details within seconds with zero inward deduction.

£1,000.00 GBP £1,000.00 GBP Balance
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Rapid Settlement Rail

Rapid Settlement Rail

Convert to stable asset rail for international transit

Instead of waiting 3–5 business days for legacy correspondent intermediaries, the funds bridge into 1:1 fiat-backed digital assets across optimized settlement layers.

£1,000.00 GBP 1,272.73 USDC
3
Local Clearing Payout

Singapore FAST Clearing

Disburse to recipient in Singapore

The payment clears through Singapore's domestic FAST network directly into the supplier's local SGD account at the quoted mid-market rate.

1,272.73 USDC 1,707.95 SGD
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Point-of-Sale Card Spend

Global Card Network

Spend remaining balance globally

Use your virtual or physical debit card to spend at merchants worldwide with automatic conversion and zero foreign transaction markup.

Multi-Currency Wallet Worldwide Card Acceptance
Live Settlement Simulation
Step 1 of 4
Active Rail UK Faster Payments
Origin
London, UK
£1,000.00 GBP
Received domestically
Destination
Singapore
£1,000.00 GBP Balance
Zero correspondent intermediary fees
Safeguarded
The Platform

Five Unified Money Movements

Move value across borders, hold multi-currency balances, exchange at transparent rates, and spend worldwide — all from a single XEBT account.

Receive
Collect payments locally in EUR, USD, GBP & SGD with zero inward fees on domestic rails
Hold
Hold fiat and 1:1 asset-backed digital balances (USDC, EURC) side by side
Convert
Exchange between currencies and stablecoins in seconds at transparent, disclosed spreads
Send
Send money globally to 50+ countries over high-speed local clearing & stablecoin rails
Spend
Spend multi-currency balances with global Visa & Mastercard debit cards, physical & virtual
Honest Fee Model

Transparent Pricing, Zero Hidden Fees

Wholesale Mid-Market Rates

You always see the real interbank reference rate before confirming a transfer. We charge a transparent, fixed spread disclosed upfront.

Free Domestic Receiving

Receiving money via domestic clearing rails (SEPA, ACH, Faster Payments, FAST) incurs zero inward processing deductions from XEBT.

Fixed Network Routing Fees

Cross-border transfer routing fees are flat and predictable, reflecting actual network settlement costs rather than arbitrary percentages.

Got Questions?

Frequently Asked Questions About XEBT

Opening an account, holding multi-currency balances, and receiving local transfers are completely free. When converting currencies, you receive quoted mid-market rates with a transparent, upfront spread. Cross-border payouts carry a flat, low-cost network routing fee disclosed before you authorize the transfer.
Because XEBT is not a bank, we do not take deposits or lend your funds out. Instead, your fiat balances are held in segregated client safeguarding accounts at regulated partner institutions. Digital assets are maintained in audited, 1:1 asset-backed vaults. If anything happens to XEBT, your funds remain segregated and returnable to you.
By replacing traditional multi-day correspondent banking chains with high-speed stablecoin settlement rails, most cross-border corridor transfers settle in under 30 to 60 seconds into the recipient's domestic account.
Individuals and registered businesses in supported jurisdictions can open an account. Onboarding requires standard regulatory identity verification (KYC/AML) completed entirely within the mobile app. See our legal disclosures for full details.
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Ready to Transform Your Cross-Border Money Operations?

Join individuals and businesses moving money over modern financial rails with zero correspondent delays.

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