Individual & Retail
For individuals, freelancers, and families with international money transfer needs.
Cross-border payment and settlement connectivity infrastructure.
X-Border develops infrastructure connecting multiple payment and settlement rails, from traditional financial systems to rails supporting digital assets and stablecoins.
X-BORDER SERVES
Connecting diverse needs and business models.
Strategic partners
Connect systems and expand access to new financial rails.
Businesses
Simplify cash-flow management and cross-border settlement operations.
International investors
Connect with Vietnam's growing financial ecosystem.
International investors
Connect with Vietnam's growing financial ecosystem.
International investors
Connect with Vietnam's growing financial ecosystem.
MONEY FLOW OPERATIONS
The right rail, the right market, the right destination
USD
GBP
EUR
COP
MXN
BRLCurrency: USDDestination: USDT
USDP
USDT
USDC
XRP
PYUSDBuilt throughconnection.
X-Border grows alongside local governments, financial institutions, technology partners, and international payment networks.
Da Nang
Smart city & financial centre
Gtel / iZOTA
Strategic ecosystem and technology
Sandbox / Compliance
Regulatory and legal framework infrastructure
International Institutions
Connecting global finance
ECOSYSTEM
Cross-border money flows still have too many points of failure.
Not because technology is lacking.
01
Complex procedures
Documentation, SWIFT/IBAN codes, and supporting-document requirements make a simple transaction take more steps than necessary.
02
Limited tracking
Funds have left the account, but during that time neither the sender nor the recipient knows where the transaction is.
03
Fragmented payouts
Recipients are limited to a specific bank, wallet, or payout method instead of receiving funds in the way most convenient for them.
04
Manual reconciliation
Businesses must manually match transactions, invoices, and reports. The more markets they operate in, the more working hours this consumes.
05
Compliance requirements
Cross-border money flows must remain controllable, traceable, and reportable to regulators at all times.
UnderstandResolveOutcome
X-Border solves the problem at the infrastructure layer, rather than simply providing a payment application.
One infrastructure layer.Multiple settlement rails.
Four capability groups run on one platform, sharing the same identity, control, and reconciliation layer.
Digital-first journey
Solution
Digital-first journey
Digital-first journey
Solution
Digital-first journey
Digital-first journey
Solution
Digital-first journey
Digital-first journey
Solution
Digital-first journey
Not just one rail. But an entire multi-rail ecosystem.
Relying on a single rail creates a single point of failure. X-Border is designed to route across multiple types of infrastructure and select the right path for each transaction.
X-BORDER
Multi-Rail Settlement Infrastructure
FIAT
Connect banks and traditional payment rails for cross-border fund flows.
DIGITAL ASSET
Support cross-border fund flows through digital assets and their related infrastructure.
STABLECOIN
Use stablecoins as an additional rail for cross-border payments and settlement.
LOCAL
Connect banking infrastructure, digital wallets, and payments in each local market.
PAYMENT
Connect payment networks and digital payment infrastructure across multiple markets.
Compliance is not an add-on. It is part of the infrastructure.
Transparency
Transaction status, fund flows, and operating processes remain observable to users, partners, and regulators.
AML / CFT / KYT
KYC, CDD, and transaction-screening processes are standardized, with Travel Rule controls integrated in line with FATF recommendations.
Traceability
The complete transaction lifecycle is recorded and searchable for reconciliation and reporting.
Regulatory Sandbox
New products are tested in a controlled environment with clearly defined scope and limits from the outset.
Every money flowIn one app
Manage, send, and receive money across borders from one place — fast, transparent, and easy to control.
X-Border App helps you track balances, manage accounts, transfer money, and connect multiple payment methods in one seamless experience.
Your money. Connected.
One app for every cross-border money management and movement need.
90%
Vietnam's connected e-wallet market share
100+
Domestic and international partners
10+
Years operating foreign exchange services
20+
Users
Our products
Download X-Border
Explore more
Manage balances
Track balances and assets across multiple currencies.
International transfers
Send and receive across borders with fees and exchange rates shown before confirmation.
Track transactions
Check transaction status and history in real time.
