01
Verify Once
Establish a trusted identity for supported financial flows.
Unified Money ID
One Identity Across Every Financial Rail
A verified financial identity that connects businesses, accounts and transaction flows across supported fiat and stablecoin rails.
02
Connect Across Rails
Link identities, accounts and settlement endpoints across financial networks.
03
Trace Every Flow
Maintain a consistent reference from identity through settlement.
Why Unified Money ID?
Cross-border money moves across banks, payment providers, accounts and settlement rails - each with its own onboarding, identity and transaction requirements. Unified Money ID creates one structured financial identity to connect them
Priya Raman
The Vietnam leg used to hold more transactions than any corridor we run.
Last month it dropped off our exceptions report entirely.
X-Border
The data travels from origination now. Sending the corridor figures over.
Priya RamanRegional Head of Partnerships, APAC
Marco Silva
Receiver details were failing at payout daily, and our agents absorbed it.
Four cases last week instead of forty.
X-Border
Verified once at the sending side, nothing to re-check downstream.
Marco SilvaHead of Corridor Operations
Sofia Lindqvist
Every new counterparty meant rebuilding the same due diligence pack from scratch.
Three onboardings this quarter, one file.
X-Border
One verified record, reused across counterparties. Nothing to reassemble each time.
Sofia LindqvistHead of Treasury
Nam Le
We're a product team of nineteen. Not one of us knows AML.
That's why our international roadmap hasn't moved in two years.
X-Border
Nothing left for you to build. Sandbox access today.
Nam LeChief Technology Officer
Ha Dang
Every buyer's bank asked for the same documents, in a different format each time.
Submitted once this quarter. That's it.
X-Border
The verified record travels with you now. Send us the next buyer's requirements.
Ha DangFinance Director
Features
One identity - connected to the flow of money
Unified Money ID connects verified identity, financial endpoints, compliance requirements and transaction records through one structured identity layer.
Verified Identity
One identity - Build for money movement
Create a structured financial identity for individuals or businesses participating in supported cross-border flows.
Other Approaches
Fragmented Identity
Identity and verification data are repeatedly collected across providers, accounts and financial connections.
With X-Border
One Verified Profile
A structured identity provides a consistent reference across supported financial flows.
Financial Connections
One identity - Multiple financial endpoints
Connect a verified identity to supported bank accounts, virtual accounts, payment endpoints and settlement rails.
Other Approaches
Disconnected Endpoints
Accounts, payment identifiers and settlement destinations are managed separately across providers and systems.
With X-Border
Connected Financial Identity
Link supported financial endpoints to one structured identity for consistent transaction processing.
Identity-linked Controls
Control starts with identity
Apply transaction and compliance requirements according to the identity, counterparty and intended financial flow.
Other Approaches
Disconnected Controls
Identity, compliance and transaction rules may sit across separate systems and processes.
With X-Border
Identity-linked Controls
Connect verified identity with the requirements and permissions applicable to each supported flow.
Transaction Traceability
One identity - One traceable journey
Maintain a consistent reference as a transaction moves from initiation through routing and settlement.
Other Approaches
Fragmented Settlement
Payment, FX and settlement records may sit across different providers and systems.
With X-Border
Connected Traceability
Link relevant transaction events and settlement statuses back to the originating financial identity.
How it works
From identity to settlement
Create the Financial Identity
Submit the required individual or business information.
Verify the Identity
Apply applicable KYC/KYB, screening and onboarding requirements.
Connect Financial Endpoints
Link the verified identity to supported accounts, payment endpoints and settlement rails.
Apply Flow Requirements
Associate counterparties, transaction purpose, permissions and applicable controls.
Use the Identity Across Flows
Reference the same structured identity across supported cross-border transactions
Trace through Settlement
Connect transaction events and settlement status back to the originating identity.
