xtransfer

Pay and Get Paid in
Local Currency

Global reach. Faster settlement. Lower fees.

Why Traditional Cross-Border Payments Fail SMEs

Difficult Onboarding

Difficult Onboarding

Complex requirements and strict bank policies make opening accounts slow and frustrating.

Frozen Fund Risks

Frozen Fund Risks

Using unlicensed money service operators often triggers security checks and leads to account freezes.

FX Shortages

FX Shortages

Emerging markets face severe foreign exchange shortages, sometimes unable to pay in USD.

Slow Settlement

Slow Settlement

Frequent documentation requests and bank reviews can extend settlement to several months.

High Fees

High Fees

Layered intermediary fees and unfavorable exchange rates silently erode trade margins.

Pay in Local Currency, No More FX Shortages

  • South AfricaSouth Africa
  • KenyaKenya
  • TanzaniaTanzania
  • GhanaGhana
  • EgyptEgypt
  • ZambiaZambia
  • CameroonCameroon
  • RwandaRwanda
  • BeninBenin
  • SenegalSenegal
  • DR CongoDR Congo
  • UgandaUganda
  • Côte d'IvoireCôte d'Ivoire
  • IndonesiaIndonesia
  • MalaysiaMalaysia
  • SingaporeSingapore
  • ThailandThailand
  • VietnamVietnam
  • PhilippinesPhilippines
  • South KoreaSouth Korea
  • IndiaIndia
  • BrazilBrazil
  • MexicoMexico
  • ColombiaColombia
  • ArgentinaArgentina
  • ChileChile
  • PeruPeru
  • TürkiyeTürkiye
  • UAEUAE
  • EurozoneEurozone
  • USAUSA
  • UKUK
  • DenmarkDenmark
  • CanadaCanada
  • AustraliaAustralia
  • New ZealandNew Zealand

Bridge Local Markets, Break Global Barriers

Extensive reach

Extensive Reach

Access local clearing networks across ~60 countries/regions.

Local currency

Local Currency

Direct payment in home currencies, bypassing USD liquidity shortages.

Secure compliant

Secure & Compliant

Institutional-grade risk management to minimize account freezing risks.

Cost efficiency

Cost Efficiency

Lower intermediary bank fees and FX costs.

Rapid settlement

Rapid Settlement

Fast arrival, typically same-day via local clearing.

How to Receive Payments in Your Local Currency?

  • 1Step arrow

    Sign Up

    Complete account registration and business verification to instantly unlock local accounts in preferred currencies.

  • 2Step arrow

    Share Your Local Bank Details

    Select the required currency account to share banking details directly with clients, or issue automated invoice payment links for frictionless collections.

  • 3Step arrow

    Get Paid Instantly

    Receive real-time payment notifications, with conversion at market-leading FX rates and optimized transaction costs.