Seamless multi-currency banking, local-currency settlement, and institutional FX

One bank for holding, converting, and paying globally—transparent rates, real-time status, and ISO 20022 compliance end-to-end.

Why X Bank

T+0 local-currency finality in supported corridors; real-time tracking & delivery receipts.

50–80% reduction in correspondent hops; defined SLAs and exception management.

On-balance institutional accounts in multiple currencies for collections, payouts, and cash positioning.

Unified statements, sweeping/notional pooling, and controlled access for treasury teams.

Institutional pricing with smart order routing across multiple liquidity venues.

Fully disclosed fees and post-trade TCA—no hidden spreads, auditable outcomes.

Transparent, best-execution pricing across EM and hard currencies; disclosed spreads and post-trade TCA.

Access to deep liquidity and forward/spot workflows aligned to treasury needs.

End-to-end encryption, mutual TLS, role-based approvals, segregation of responsibilities.

Sanctions/KYC/AML orchestration, immutable audit trails, ISO 20022-native messaging.

API-first architecture with sandbox, webhooks, and idempotent operations.

High-volume, multi-currency processing with 24/7 observability and support SLAs.