X-Net: A Globally Unified B2B Cross-border Settlement Network and Risk Management Platform
Trusted by 170+ Financial Institutions
Market Opportunities
SMEs: The Backbone of Global B2B Cross-Border Trade
SMEs play an increasingly important role in global B2B cross-border trade, which accounts for over 90% of the total number of participants engaged in global B2B cross-border trade of manufactured goods.
SMEs Remain Significantly Underserved
Despite their vital role in global trade, SMEs remain significantly underserved by traditional financial systems designed for large multinational corporations
A Vast And Continuously Expanding B2B Cross-Border Trade Payment Market
Built on a US$33 trillion trade base, with digital platforms at just 3.6% penetration today
A Platform for Settlement Network and Risk Management in Cross-Border B2B Trade
Powered by 72 AI agents integrated into every stage of risk assessment, XTransfer Group maintains a global fraud rate as low as 0.003%.
What Financial Institution Partners Gain from X-Net
Revenue Growth
B2B cross-border trade is one of the fastest-growing markets globally. As X-Net scales, FI partners earn returns tied to rising transaction volumes.
Global Reach
X-Net’s direct local-currency settlement across ~60 countries enables FI partners to serve markets including Brazil, Indonesia, and UAE, without building local entities or correspondent networks.
Client Reach
X-Net connects FI partners to a verified B2B SME client base that has historically been difficult to serve, expanding service reach without the cost of independent acquisition and KYC.
Compliance Relief
XTransfer conducts first-pass KYC/AML screening for all SME clients. FI partners receive trade-authenticated transaction flows, significantly reducing in-house compliance burden.
Social Impact
Together, we bring reliable cross-border payment services to SMEs long locked out of the formal financial system. X-Net's AI-powered compliance infrastructure strengthens local AML capabilities, proving to regulators that rigorous risk controls and broader SME financial inclusion are not mutually exclusive. With local currency collection across emerging markets, exporters can seamlessly collect payments — driving local manufacturing and trade growth
Products and Services
Pay-in Services
Collect funds from trade counterparts or top-up funds in widely recognized major currencies and/or in local currencies through proprietary settlement network
Foreign Exchange Services
Facilitate foreign exchange transactions in connection with trade payment transactions across both major currencies and minor currencies
Pay-out and Withdrawal Services
Pay out and withdraw funds in various currencies directly to bank accounts or to third parties.
Unified Global Standardized Risk Management Framework
Two key phases of risk monitoring
- Customer onboarding review (KYC)
- Continuous monitoring of transactional activities
AI-powered risk control engine
- Industry-leading AI solutions
- Massive trade network data
- Expert Insights
Three lines of defense in the organizational structure
- Business team
- Risk control and compliance team
- Internal audit team
AI-powered risk control engine
Industry-Leading AI Solutions
Powered by 100+ AI agents integrated into every stage of risk assessment, XTransfer Group maintains a global fraud rate as low as 0.003%.
Massive Trade Network Data
A comprehensive knowledge graph covering about 30 million enterprise entities to precisely evaluate risks across diverse and fragmented trade scenarios.
Expert Insights
Translate deep, real-world experience of 300+ risk and compliance experts into a systematic, robust, and resilient line of defense.
Pricing Principles
90% Value Goes to SMEs
X-Net benefiting SMEs by offering low fees, reducing their barriers to cross-border expansion, and enhancing their market competitiveness.
10% Value Goes to X-Net Participants
Ecosystem partners can obtain excess profits based on their invested costs and contributed value, ensuring sustainable operations while achieving stronger commercial incentives.
The Vision
Inclusive Finance
Enable SMEs to have equal and convenient access to the global financial services ecosystem.
Digital & Intelligent
Boost operational efficiency, risk precision, and user experience, thereby accelerating the digital and intelligent transformation of cross-border finance.
Trusted
Create a highly trusted transaction environment for financial institutions, regulatory bodies, and businesses.