XTransfer

Platform Overview:

XTransfer, established in 2017, is a financial technology company dedicated to delivering integrated cross-border banking services for small and medium-sized businesses. The platform provides multi-currency corporate accounts, worldwide payment and收款 capabilities, and sophisticated risk control systems utilizing artificial intelligence and cloud computing.

Through collaborations with leading international financial institutions and implementation of automated compliance screening, XTransfer simplifies global money transfers, lowers expenses, and strengthens regulatory adherence for SMEs internationally. The service facilitates commercial operations across 200+ nations and supports 15+ currencies, promoting smoother and more productive global commerce.

Core Capabilities

Multi-Currency Business Banking

• Business account access supporting 15+ currencies with worldwide coverage

• No charges for account establishment or ongoing maintenance

Efficient International Payment Processing

• Instant fee-free transfers between XTransfer accounts available 24/7

• Reliable and regulation-compliant payments to suppliers in China and abroad

Favorable Foreign Exchange Solutions

• Real-time currency conversion at competitive rates accessible around the clock

• Risk mitigation tools including forward agreements and conditional orders

Sophisticated Compliance and Security Framework

• Artificial intelligence-powered anti-fraud and regulatory compliance systems

• Integrated banking network ensuring transaction safety and legitimacy

International Receivables Management

• Local currency collection through dedicated account numbers in multiple currencies

• Simplified international收款 reducing expenses and operational complexity

Digital-First Account Administration

• Paperless online registration, verification, and account oversight

• Effortless global business operations through user-friendly digital interface

Application Scenarios

Global Supplier Payments for SMEs : Small and medium businesses can effectively manage international supplier payments and customer collections with minimized costs and accelerated processing.

FX Exposure Control : Organizations can hedge currency fluctuation risks using live exchange rates, future contracts, and predefined orders within a unified system.

International Account Oversight : Financial departments can administer multi-currency accounts and cross-border operations without maintaining multiple banking relationships.

Regulatory-Compliant China Payments : Enables lawful and secure payments to Chinese vendors, addressing frequent challenges like payment holds and processing delays.

Cross-Border Receivables Optimization : Enterprises can accept local currency payments from international clients, decreasing intermediary charges and improving liquidity.