XDC Payments is a settlement network for banks, corporate treasuries, and payment providers. Your counterparty sends local currency in one country. Your beneficiary receives local currency in another. Settlement is real-time, materially lower cost than correspondent banking, and fully auditable end-to-end.
Everything a bank or corporate treasury needs to move money globally — delivered as one platform, not a stack of vendors.
Collect payments in local currency across 40+ countries — all under a single corporate entity. Your counterparties send a normal wire to a local account. You see one consolidated balance.
Payments settle in real time, 24/7, including weekends and holidays. No SWIFT hops. No correspondent-bank delays. No cutoff windows.
Typical savings of up to 80% versus traditional correspondent banking. One fee, quoted upfront. No hidden FX spreads or lifting fees.
Institutional KYC/KYB, sanctions screening, travel-rule messaging, and ISO 20022 formatting — designed to slot into the compliance stack your bank already runs.
A single API for balances, payouts, corridor discovery, and reconciliation. Automate what used to require a team of ops analysts.
A payment enters as a normal bank wire in the sender's country. It leaves as a normal bank wire in the recipient's country. XDC handles everything in between — invisibly, in real time.
Three simple phases. Every payment. Every corridor. Every one auditable end-to-end.
Your counterparty sends a normal domestic wire in their local currency — USD via ACH, EUR via SEPA, GBP via FPS, and 40+ more corridors. The funds land in a virtual account held in your name.
XDC settles the value in real time, choosing the fastest and cheapest path automatically. You never touch crypto, you never wait on an FX desk, and there are no correspondent-bank hops.
The recipient's bank receives a normal wire in its local currency — with a full audit trail behind it. To the beneficiary, it looks and feels like a domestic payment.
Traditional correspondent banking is slow, expensive, and opaque. Here is what changes when you switch to XDC.
Speed alone is table stakes. What makes XDC the right rail for regulated institutions is the combination below.
Payments finalise in real time. Your treasury sees the value the moment it lands — no more “where is my wire?” calls.
Up to 80% cheaper than SWIFT + correspondent chains. One fee, quoted upfront. Predictable margins.
40+ currencies across the Americas, EMEA, and Asia-Pacific — all through a single API and a single legal entity.
Bank-grade KYC/KYB, sanctions screening, travel-rule messaging, and ISO 20022. Ready for your compliance team's questionnaire.
Every payment carries a verifiable proof of settlement. Auditors, regulators, and counterparties can inspect the same record.
Seven-plus years of uninterrupted network operation, powering real payment and trade-finance flows for regulated counterparties.
Send from any of these markets. Receive in any of these markets. XDC picks the fastest, cheapest settlement path automatically — you do not have to think about it.
Every control your audit, risk, and legal teams will ask about — designed in from day one, not bolted on later.
For banks, corporate treasuries, payment providers, and fintech platforms ready to modernise their cross-border settlement. A 20-minute call is usually enough to map your first live corridor.