How Value Physically Moves Across the Globe
A transparent architectural breakdown of domestic inward clearing, 1:1 asset-backed settlement bridging, local payout clearing, and our canonical fee schedule.
Four Stages, One Transparent Path
Every transfer through XEBT moves through the same four-stage architecture — from the moment funds enter a domestic clearing network to the moment they're safeguarded or paid out to a beneficiary.
Domestic Inward Clearing
Funds enter the XEBT infrastructure directly through local domestic clearing networks with dedicated account numbers.
Dedicated local virtual IBANs and account numbers in the UK (Faster Payments / Sort Code), Eurozone (SEPA), US (Fedwire / ACH routing), and Singapore (FAST).
Inward transfers settle within seconds to minutes without foreign wire deductions.
Automated webhook reconciliation credits the client ledger instantly upon receipt.
Asset-Backed Settlement Bridge
Value moves internationally across high-throughput settlement rails backed 1:1 by cash and short-dated government securities.
Instead of multi-day correspondent banking hops with multiple fee deductions, transactions route over audited digital asset rails (USDC / EURC).
Cryptographic finality is reached within 5 to 15 seconds.
100% of stable digital assets are backed 1:1 in regulated custodian vaults with daily attestation reports.
Local Payout Clearing
At the destination corridor, funds disburse into local domestic currency networks directly to the beneficiary.
Direct integration with SEPA Instant (EU), UK Faster Payments, FAST (Singapore), SPEI (Mexico), and Fedwire (US).
Recipient receives full local currency amount with no foreign correspondent handling charges.
Real-time settlement status notifications sent to sender and recipient.
Segregated Reserve Custody
XEBT is not a bank and does not take deposits. All client funds are legally segregated.
100% of fiat client balances are safeguarded in segregated accounts with regulated tier-1 credit institutions.
Client assets are legally isolated and returnable even in the unlikely event of company insolvency.
Continuous algorithmic transaction monitoring ensures full regulatory compliance across all jurisdictions.
Canonical Fee Schedule
XEBT operates on transparent, cost-reflective pricing. Every fee is stated below and confirmed before you authorize any transaction.
| Category / Operation | Processing Method | Standard Fee | Settlement Speed | Notes |
|---|---|---|---|---|
Domestic UK Transfer Inward Receiving |
Faster Payments / Bacs | Free (£0.00) | Seconds | Zero processing fee from XEBT. |
Eurozone Domestic Transfer Inward Receiving |
SEPA / SEPA Instant | Free (€0.00) | Seconds to 1 day | Zero processing fee from XEBT. |
US Domestic Transfer Inward Receiving |
ACH Direct / Fedwire | Free ($0.00) | Same-day / Next-day | Zero inward processing deduction. |
Singapore Domestic Transfer Inward Receiving |
FAST / PayNow | Free ($0.00) | Seconds | Zero inward processing deduction. |
Currency Conversion FX Exchange |
Wholesale Interbank FX | 0.15% – 0.35% | Immediate | Real mid-market rate + upfront transparent spread. |
Cross-Border Payout Outward Transfer |
Optimized Settlement Rail | Flat $1.00 – $1.50 | < 30 seconds | Fixed network routing cost; zero intermediary surprises. |
Virtual Debit Card Card Issuance |
Digital Card Generation | Free | Immediate | Up to 5 active virtual cards included. |
Physical Debit Card Card Issuance |
Contactless Physical Card | £4.99 / €5.99 / $6.99 | 3–5 business days | One-time production and shipping cost. |
Multi-Currency Wallet Account Maintenance |
Holding Balances (Fiat & Stable Assets) | Free ($0.00 / month) | Continuous | No minimum balance or inactivity penalties. |
Start moving money over modern rails
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No hidden FX markups • 100% segregated client funds • FINTRAC MSB Reg. No. C100000372