01
Connect
Connect global sources of money with supported local financial rails.
Money Unlocked
Global money - unlocked locally
Connect global sources of money with the payment, conversion and settlement rails that make value usable locally
02
Convert
Move value across currencies and supported forms of money.
03
Unlock
Make global value usable through local payment and settlement endpoints.
Money moves globally - acceptance stays local
Global money can sit across cards, accounts, wallets and emerging financial rails, while local acceptance remains fragmented. Money Unlocked connects both sides through one coordinated infrastructure layer
Priya Raman
We could collect in Vietnam but payout coverage was always the gap.
Bank, wallet, cash counter, all live on one integration now.
X-Border
One connection, every payout method in market. Tell us where you want coverage next.
Priya RamanRegional Head of Partnerships, APAC
Marco Silva
Our receivers waited until Monday for anything sent Friday afternoon.
Same day now, weekends included.
X-Border
Settlement doesn't wait for banking hours on this corridor. Weekend volumes are worth watching.
Marco SilvaHead of Corridor Operations
Sofia Lindqvist
We had roughly two million sitting pre-funded in market doing nothing.
Netting freed most of it back last quarter.
X-Border
Fewer settlement legs, less capital parked. Happy to model your other corridors.
Sofia LindqvistHead of Treasury
Nam Le
Our users were losing four percent somewhere between us and their bank.
They can see the rate now, which stopped the support tickets.
X-Border
Conversion happens once, at a rate you can show them. That's the whole point.
Nam LeChief Technology Officer
Ha Dang
Export invoices took eleven days to land and we planned cash around that.
Two days last month. We're rewriting the forecast.
X-Border
Shorter chain, fewer intermediaries holding it. Send us your next season's volumes.
Ha DangFinance Director
Features
More ways inmore ways to movemore ways to use
Money Unlocked connects funding sources, financial rails and local acceptance through one coordinated infrastructure layer
Global Money Access
More Sources - One Infrastructure
Connect supported cards, accounts, wallets and financial rails through one infrastructure layer.
Other approaches
Fragmented Funding
Different sources of money require separate providers, integrations and operating flows.
X-Border
Connected Money Access
Bring supported sources of funds into one coordinated infrastructure for payment and settlement.
Local Acceptance Bridge
Global Cards - Local QR
Bridge supported international card credentials with local QR payment networks, extending global spending power into familiar local acceptance experiences.
Other approaches
Acceptance Gap
International cards and local QR networks often operate as separate acceptance ecosystems.
X-Border
Connected Acceptance
X-Border provides the infrastructure layer to connect supported global funding credentials with local QR payment flows.
Smart Orchestration
The right rail for every flow
Evaluate corridor, currency, liquidity, compliance and settlement requirements to select the appropriate supported path.
Other approaches
Single-rail Dependency
Reliance on one provider or rail limits flexibility as market and transaction requirements change.
X-Border
Intelligent Routing
Coordinate supported rails according to transaction, corridor, liquidity and settlement requirements.
Connected Settlement
From payment to final settlement
Connect payment activity, conversion and settlement through one consistent transaction lifecycle.
Other approaches
Fragmented Settlement
Payment, FX and settlement records may sit across different providers and systems.
X-Border
One settlement journey
Link payment, conversion and settlement events through a consistent transaction reference for visibility and reconciliation.
How it works
One connected flow from funding source to local payment and settlement
Connect the Source
Initiate from a supported card, account, wallet or financial rail
Identify the Flow
Determine the parties, currency, market and transaction requirements
Apply Controls
Apply applicable identity, compliance and transaction requirements
Convert Where Needed
Coordinate supported currency or value conversion required for the destination flow
Select the Rail
Route the transaction through the appropriate supported payment and settlement path
Complete Locally
Complete the transaction through the designated local payment or settlement endpoint
