Currency Exchange

Exchange between currencies at transparent rates.

Convert between fiat currencies and stable digital assets in seconds. Real-time pricing, zero hidden margins, and complete spread visibility before every execution.

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Not a bank deposit: Digital asset and stablecoin holdings are not deposits and are not protected by statutory deposit insurance schemes (such as FDIC, FSCS, or statutory deposit guarantees).

Account Tiers

Conversion limits and volume thresholds

Transparent transaction ceilings and tier thresholds based on account verification status.

Minimum Conversion

$1.00 USD
Per exchange

No arbitrary high minimums; exchange small amounts as needed.

Daily Ceiling (Standard)

$25,000.00 USD
Per 24-hour cycle

Standard consumer tier for cross-currency rebalancing.

Business High-Volume

$250,000.00 USD
Per 24-hour cycle

Higher tier for corporate payroll and supplier payment batches.

How It Works

How conversion works

Three simple steps to execute transactions inside your XEBT account.

01

Select Currency Pair

Choose your source currency and target destination (e.g. USD to EUR, or EUR to USDC).

Over 30 supported exchange pairs

02

Review Live Quoted Rate

See the exact exchange rate, transparent spread fee, and the exact amount your target wallet will receive.

Rate held for 30 seconds to prevent slippage

03

Execute Exchange

Confirm with one tap. Funds settle into your target balance within seconds.

Immediate settlement across both fiat and digital rails

Transparent Pricing

Conversion pricing model

Transparent fee breakdown with zero hidden charges or variable spreads.

XEBT quotes mid-market exchange reference rates with a transparent, fixed markup disclosed upfront.

Rail / Transfer Method Cost / Pricing Settlement Speed Notes
Major Fiat Pairs (USD / EUR / GBP) 0.25% - 0.40% spread Under 2 seconds Real-time market depth
Fiat to Stablecoin (USD to USDC) 0.10% spread Under 1 second Direct 1:1 parity rail
Stablecoin to Fiat (USDC to EUR) 0.20% spread Under 2 seconds Direct off-ramp exchange
Exotic Currency Pairs 0.50% - 0.75% spread Under 3 seconds Includes local market liquidity factor
Supported Pairs

Supported conversion pairs

Currently Supported

✓ USD ↔ EUR (US Dollar / Euro)
✓ USD ↔ GBP (US Dollar / British Pound)
✓ EUR ↔ GBP (Euro / British Pound)
✓ USD ↔ USDC (1:1 Peg Parity)
✓ EUR ↔ EURC (1:1 Peg Parity)
✓ SGD ↔ USD (Singapore Dollar / US Dollar)
✓ USDC ↔ EUR (Direct Stablecoin Payout)

Upcoming Rail Expansions

→ AUD ↔ USD (Australian Dollar)
→ CAD ↔ USD (Canadian Dollar)
→ JPY ↔ EUR (Japanese Yen)

Important Digital Asset Risk Notice

Digital asset movements and holdings carry distinct financial characteristics. 1:1 fiat-backed stablecoins (such as USDC and EURC) are designed to maintain a stable peg to their underlying reference currencies, but remain non-deposit obligations of their issuers. Digital assets are not subject to statutory deposit protection. Value may fluctuate, and cross-chain or secondary liquidity events can be subject to network latency. XEBT executes currency exchanges at quoted rates with transparent network costs disclosed prior to transaction confirmation.

Ready to convert with XEBT?

Open your multi-currency account in minutes and get access to local clearing rails worldwide.

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