x-pay.ing is the stablecoin payment rail for businesses moving money across borders. Settle in seconds, in any currency, fully compliant. One API. Every corridor. No friction.
Three principles shape every line of code, every banking relationship, every regulatory filing. They are non-negotiable.
FSP, FIC, FATF Travel Rule, sanctions screening, on-chain analytics. Compliance is not a feature — it is the product's moat. We don't ship until the licence is in hand.
SWIFT settles in T+2. We settle in single-digit seconds, 24/7/365. Stablecoins are the rail; banks are the wrapper. The clearing layer is finally cheap.
Stripe for cards changed how software bills. We're building the equivalent for cross-border value movement — a single REST surface that abstracts every rail underneath.
From a customer initiating a payment to local-currency landing on the receiving end — the whole rail, end to end.
Customer signs in, requests a quote. Compliance engine verifies KYC, screens sanctions, prepares Travel Rule data.
FX engine quotes the rate including our margin. Quote valid for 30 seconds. Customer confirms.
Local-currency debited from customer's account at our banking partner. Reconciliation logged.
USDC, USDT, or EURC purchased and routed via institutional custody. The on-chain leg begins.
Stablecoin arrives at corridor partner wallet. On-chain analytics confirm clean provenance.
Partner converts stablecoin to destination currency at locked rate. Local payout rail engaged.
Funds land in recipient account via local instant rail. Webhook fires. Reconciliation seals each step.
The window for a new payment rail is rarely open. Right now, it is. Five structural shifts in the last 18 months made the category possible — and the next 12 months will decide who owns it.
Stablecoin supply went from $5B in 2020 to $305B in 2025. Volumes are no longer speculative — they are infrastructure.
Mastercard acquired BVNK for up to $1.8B. Stripe bought Bridge for $1.1B. Circle IPO'd above $20B. The mainstream has called the category.
Stablecoins are now classified financial products in most major jurisdictions. The question shifted from "is this legal?" to "what licence do I need?"
Global B2B cross-border payments are a $190 trillion annual flow. Less than 5% currently runs on stablecoin rails. The headroom is the opportunity.
BVNK is now inside Mastercard. Bridge is inside Stripe. The independent, multi-corridor, mid-market B2B rail is a quadrant that nobody owns yet.
After that, five well-funded competitors will be inside the category. The regulatory moat we build now still matters — but the first-mover advantage is gone. This is the window.
Closed beta opens H2 2026. Join the waitlist to be considered for early access.