NO BORDERS:
Any currency, any country.

We adapt the means of transaction and payment to fit your needs: fiat currency, tokens, and crypto assets such as Tether (USDT), USD Coin (USDC), Bitcoin, and Ethereum as well as many others.

 

WITH JUST A FEW CLICKS

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You're free from intermediaries

P2P swap technology, you can send automatically converted payment amounts to the currency the recipient wants.
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A global account for a globalized world

We help you navigate the financial world in the most secure and easy way.
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Your finances simplified

No worries about convertion, no financial transaction taxes, no exchange rates, and no financial institutions.

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How does X-Pay make it simple?

Transactions without borders

Payments and transfers to any currency, anywhere in the world.

Unlimited invoices

Do it YOUR way, in a single payment, in installments, or recurring payment.

Global PIX 

Instant payments. Safe and free service for individuals and companies.

mPOS 

Your smartphone card machine. Easy transactions in the palm of your hand and your control.

Globally accepted

An international Debit card with its own flag in addition to a visa flag allows more practical use of your digital account. 

One app, all features

Directly manage your financial operations with the security and transparency of blockchain technology.

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Why X-Pay

We help you grow without bureaucracy. We offer an account adapted to your needs, using Blockchain technology, so that you can carry out fast financial operations for both the B2C and B2B markets, anywhere in the world, with just a few clicks!

 

Experience the convenience of simplifying your financial life

Have multiple virtual credit and debit cards always at hand. Delete cards after your purchases and protect yourself against fraud. Count on the unlimited prepaid function for greater control of expenses. Manage your money with the simplicity of blockchain technology.

Open your account now

X-Pay Cards

Your Payments. Your Way.

We have the perfect card for you!

If you have money invested in Tether, Bitcoin, or others or have any fiat currencies, you can send automatically converted payment amounts to the currency the recipient wants, such as dollars, euro, cryptocoins, and tokens. It’s fast, easy, and secure!

CARBON

Welcome to a world where you
control your money your way.

Order yours now!

NIOBIUM

Your next step into a world of
payments without borders.

Request an analysis.

GRAPHENE

All the benefits of X-Pay cards,
at your fingertips.

Request an analysis.
 

Any currency

Immediate swapping between all fiat currencies. It doesn't last 1 business day or slower anymore because XPAY has no intermediary. So you will receive or send money at the same speed as clicking a button.

 

Any crypto

It's just the beginning. We have chosen the main crypto assets to handle as many transactions as possible. Here are all of them: BTC, ETHER, ADA, BNB, USDC, TRON, XRP, and SOL. Community suggestions for other currencies and crypto will take priority.



 

Any country

XPay brings satisfaction to people all over the world.  Dozens of countries.  It doesn't matter where you are right now.  It is possible to send or receive money without bureaucracy and with the highest level of privacy available.



 

Any time

When you need it, XPAY is ready.  You have already seen that we work in any country and, consequently, in any time zone.  You are able to make transactions without worrying about the time of day in the country that sends or the country that receives money.

 
 

Elevate Your Banking Experience with Access to the Latest Digital Banking Cycle

Elevate Your Banking Experience with Access to the Latest Digital Banking Cycle

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Open your personal account with no fees or expenses at the "Personal Account" button.
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Entrepreneurs, open your account using the “executive account” button and enjoy X-Pay benefits for your business.

Creating your account is simple

You need to be over 18 years old, have proof of address, optionally proof of income, and take a selfie with your documents, ID or Passport.

Register now and create your global account in minutes with X-Pay

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Frequently asked questions

 

 
What is X-Pay?
X-Pay is a payment neo-bank that takes the concept of "smart money" and simplifies financial operations for consumers and companies.
What is the global account?
The X-Pay global account is the perfect choice for those who want greater efficiency and convenience. No intermediaries. Your account. Your time. Your way.
What are the benefits of the X-Pay account?
It's a digital account with your currency of choice! With it, you can shop at thousands of establishments around the world, use a physical or virtual card, and receive international payment, among other benefits.
Can I perform international transactions on my X-Pay account?
Yes! Simply inform the details to the other party to receive international transactions in your account.
Who can own an X-Pay account?
X-Pay is made for everyone. You don't need to go through a credit analysis, you can open your account directly in our app, all quickly and bureaucracy-free.
What are our only restrictions?
Our only restrictions are: being at least 18 years old and having a smartphone compatible with our apps for Android (version 4.4 or higher) or iOS (version 10 or higher)

Do you have any questions?
Please feel free to contact us.