X Bank International offers transactional banking solutions for institutions that need to manage payments, deposits, and FX transactions across jurisdictions. Clients can open multi-currency accounts to hold and transfer funds in various currencies through one platform. The bank’s robust compliance framework and modern technology ensure every transaction meets high standards of security and regulatory compliance. These solutions give clients confidence to operate globally without compromise—they can settle funds with certainty, access illiquid currencies, and navigate complex regulatory landscapes with ease. In essence, X Bank’s transactional banking provides the reach, resilience, and reliability that institutions require for international operations.
X Bank International provides cross-border payment services that enable fast and transparent settlement of funds globally. Whether supporting aid disbursements, corporate trade transactions, or interbank transfers, the emphasis is on speed, transparency, and security. The bank’s infrastructure leverages local clearing partnerships to deliver funds quickly and predictably even in regions with limited banking infrastructure. This service reduces friction and cost in international payments, ensuring money reaches its destination in timely manner.
The Foreign Exchange service offers institutional clients access to a wide range of currencies, including many illiquid or hard-to-source currencies. X Bank International’s trading desk provides competitive FX rates with reliable execution, helping clients manage currency risk effectively while maintaining confidence in settlement. By combining deep market expertise with broad currency access, the bank enables clients to hedge and exchange currencies with certainty. This means even emerging-market currencies or exotic pairs can be transacted smoothly, backed by the bank’s liquidity and market insight.
X Bank International manages asset-backed digital instruments—including XTG (gold-backed) and XTS (silver-backed)—for institutional use in investment, settlement, and collateral workflows. Each token is fully reserved by precious metalls and supported by institutional-grade reporting. This provides a stable, programmable alternative to volatile crypto assets, enabling treasury, trading, and settlement use cases under banking-grade compliance. (Offered to eligible institutional clients and only in licensed jurisdictions.)
Institutions can designate approved assets—fiat balances or tokenized RWAs—as operational collateral for limits, settlement guarantees, or structured finance. Programmatic controls enforce coverage ratios and concentration limits, while dashboards provide real-time collateral utilization and headroom. This reduces counterparty risk and improves capital efficiency for frequent cross-border activity.
Operational and financial data are consolidated into downloadable statements, ISO camt messages, and dashboard views. Clients can monitor execution quality, fees, balances, collateral, and settlement outcomes in detail. Quarterly and annual reports facilitate internal governance and regulatory compliance.
An API-first architecture enables rapid integration with back-office systems and platforms. Mutual-TLS security, OAuth2 access tokens, webhooks, and deterministic idempotency simplify reliable automation. A sandbox environment allows clients to test flows—payments, FX orders, wallet actions, and reporting—before moving to production.