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Fast. Secure. Cost-Efficient. Built for the Global Economy.

XDC Payments is a next-generation payment platform built on the XDC Network, offering a seamless, low-cost, and real-time payment ecosystem for businesses, financial institutions, and merchants worldwide. With institutional-grade security, smart contract automation, and ISO 20022 compliance, we enable businesses to send, receive, and settle transactions globally with minimal friction.

Our Mission

Web3 is redefining what's possible for our industry

To revolutionize global payments by leveraging blockchain technology, enabling seamless, secure, and cost-efficient transactions for businesses, financial institutions, and individuals. Our mission is to bridge the gap between traditional finance and decentralized ecosystems by providing instant cross-border settlements, ISO 20022-compliant messaging, and enterprise-grade payment solutions.
What we offer

Why do businesses choose XDC Payments?

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Cross Border & Domestic Settlements

Supports seamless cross-border payments and domestic settlements with instant finality.
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SWIFT Network Integration

Seamlessly integrates with the SWIFT Network for global reach and compatibility.
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Liquidity Access

Provides reliable access to liquidity for smooth transaction processing.
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Security & Compliance

100% Secure & Compliant with industry standards and regulations.
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Deferred Payments

Supports flexible deferred payment options for better business management.
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Future-first Offering

Built with future technologies and scalability in mind.
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Better Business Margins

Lower operational costs translate to better margins and competitive pricing for customers.
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Cost-Effective Micro Payments

Makes micro payments economically viable with minimal transaction costs.
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Seamless Technology

Easy-to-integrate technology that works seamlessly with existing systems.
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ISO20022 + MLETR Compliant

Fully compliant with ISO20022 Messaging standards and Model Law on Electronic Transferable Records.
Our technology

The future of secure, lightning-fast financial messaging and cross-border payments

🌍 Cross-Border Payments – Instant & Cost-Effective
  • Low Fees: Near-zero transaction costs compared to traditional banking
  • Real-Time Settlement: Payments settle in seconds, not days
  • Multi-Asset Support: Transact with XDC, FXD, CGO, stablecoins, and tokenized assets
  • ISO 20022 Compliant: Ensures seamless integration with global financial institutions
🔐 Custody Solutions – Secure & Institutional-Grade
  • Enterprise-Grade Security: Fully compliant custodial & non-custodial solutions
  • Hybrid Custody Model: Options for self-custody, institutional wallets, or MPC
  • Regulatory Compliance: Designed for banks, fintechs, and enterprises handling digital assets
💳 On & Off-Ramping – Seamless Fiat Integration
  • Convert Crypto to Fiat with Ease: Instant onboarding & offboarding
  • Multi-Currency Support: Bank wires, e-wallets, and mobile payments in 100+ countries
  • Partnered with Licensed Providers: Ensuring regulatory compliance and security
  • ISO 20022 Messaging Integration: Bridges traditional finance with blockchain
🛒 Merchant Payments – Instant Settlements for Businesses
  • Accept Crypto & Stablecoins Easily – No middlemen, direct transactions
  • Faster than Card Payments – No chargebacks or delays
  • Smart Invoice Processing – Automated payments via smart contracts
  • POS & E-commerce Integration – Connects with retail & online stores
📡 ISO 20022 Messaging Platform – A Game Changer for Global Finance
  • Seamless B2B Messaging: Connects banks, corporates, and financial institutions
  • Interoperability with TradFi: Compatible with SWIFT, RTGS, and messaging networks
  • Instant Settlement with Digital Assets: Enables faster, more efficient transactions

FAQs

  • What is XDC Payments?

    XDC Payments is a blockchain-powered payment solution built on the XDC Network. It facilitates fast, secure, and cost-effective cross-border settlements using digital assets and ISO 20022-compliant messaging.

  • How does XDC Payments enable cross-border transactions?

    XDC Payments leverages blockchain technology for real-time settlements, utilizing stablecoins and digital assets to eliminate intermediaries, reduce transaction costs, and enhance speed.

  • What role does ISO 20022 play in the XDC Payments ecosystem?

    ISO 20022 is a global financial messaging standard that enhances interoperability between banks, fintechs, and payment providers. XDC Payments integrates ISO 20022 messaging formats such as pain.001 (payment initiation) and pacs.008 (final settlement) to streamline transactions.

  • How does XDC Payments support stablecoins?

    Stablecoins serve as a bridge between traditional and digital finance. Users can on-ramp fiat into stablecoins, transact across borders, and off-ramp into local fiat currencies seamlessly.

  • Can businesses and merchants integrate XDC Payments?

    Yes! Merchants can integrate XDC Payments to accept stablecoins and digital assets, allowing them to tap into a global customer base while benefiting from instant settlements and lower transaction fees.

  • What are the advantages of using XDC Payments over traditional payment systems?

    • Lower transaction costs due to blockchain efficiency.
    • Instant cross-border settlements without banking delays.
    • Interoperability with ISO 20022 ensures global compliance.
    • Stablecoin and fiat on/off-ramps provide seamless transactions.

  • How does XDC Payments ensure security and compliance?

    XDC Payments follows industry-standard security protocols, including cryptographic verification, AML/KYC compliance for regulated entities, and ISO 20022 message validation to meet global financial regulations.

  • Can XDC Payments be used for B2B transactions?

    Yes! Enterprises can use XDC Payments for cross-border trade, supply chain settlements, and corporate remittances with improved efficiency and reduced costs.

  • How does XDC Payments integrate with existing financial systems?

    XDC Payments offers APIs and SDKs for banks, fintechs, and merchants to integrate seamlessly with existing financial infrastructures while enabling blockchain-powered settlements.

  • Where can I learn more or get started with XDC Payments?

    To learn more about XDC Payments and how to integrate it into your business, visit XDC Network's official website or reach out to the XDC community for support.

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