Stablecoins are an increasingly practical settlement layer for businesses that move money across borders. Here is how Xago's regulated on/off-ramp turns them into a streamlined settlement rail.
What is a stablecoin settlement rail?
A stablecoin is a digital token designed to track the value of a fiat currency such as the US dollar. A settlement rail is the infrastructure that carries value from payer to payee.
Xago's rail brings the two together. Businesses fund in fiat or stablecoin, value moves over blockchain infrastructure, and beneficiaries are paid out in local currency or stablecoin, all within a regulated framework.
The on/off-ramp: where stablecoin meets local currency
The on-ramp converts fiat currency into stablecoin. The off-ramp converts stablecoin back into local currency and pays it to a bank account. Xago provides local settlement in more than 60 countries and supports major stablecoins, including USDT and USDC.
Cross-border payment is the use case that makes the ramp valuable. A business can fund in the currency it holds, settle across the rail, and have the beneficiary paid in the currency they need. Because you can fund with fiat or stablecoin and convert into any supported currency, the same ramp also serves treasury and liquidity needs.
Efficient, integrated settlement
Speed is a key focus in Xago’s design. Our funding, conversion, and payout processes are connected within a single streamlined flow, minimising manual input and handovers between disparate systems. This integrated approach aims to deliver smooth and timely settlement experiences. Actual settlement times can vary depending on network conditions, jurisdiction and the nature of the transaction.
There are three steps from sign-up to settlement:
- Create. Complete standard KYC (individuals) or KYB (businesses).
- Fund. Fund with fiat or stablecoin and convert into any supported currency.
- Settle. Pay out to your bank account or to stablecoin beneficiaries.
Comprehensive transaction oversight, from funding to payout
Every stage of the process - funding, conversion and payout - is designed to support clear transaction oversight. On-chain activity creates a verifiable record that assists with reconciliation and audit. Finance and operations teams have access to consistent, synchronised information throughout the process.
Regulated and compliant by design
Xago Technologies (Pty) Ltd is an Authorised Financial Services Provider (FSP No. 53416) and a licensed Crypto Asset Service Provider. Xago is licensed in Botswana as a Virtual Asset Service Provider, and Xago Australia Pty Ltd is registered with AUSTRAC as a Digital Currency Exchange.
Behind every relationship sit client due diligence, real-time monitoring and strict sanctions screening.
Transparent, per-transaction pricing
Xago prices per transaction, with no monthly fees and no lock-in. You pay when the money moves, and the pricing page sets out the detail.
Personalised support from a nimble team
Xago is built to be responsive. Clients work with real people who understand their business and are available to guide them, from onboarding through to day-to-day settlement.
Built for corporates and fintechs
Corporates and treasury teams get a regulated, transparent way to pay suppliers, fund regional operations and manage multi-currency treasury.
Fintechs and payment providers get a licensed settlement partner, so they can offer cross-border features without building the infrastructure themselves. Developer documentation is published at docs.xago.io.
Speak to an expert
To see how Xago's stablecoin on/off-ramp could fit your business, speak to an expert at Xago. We will cover your currencies, your corridors and what onboarding involves.
Currency, corridor and service availability depend on your jurisdiction and onboarding.
Xago Technologies (Pty) Ltd is an Authorised Financial Services Provider, FSP No. 53416, authorised under FAIS to provide financial services in relation to crypto assets within the scope of its licence. This authorisation does not constitute approval of a particular stablecoin or a guarantee of value or settlement performance.
Services in GBP, USD, and EUR are strictly intended for clients residing outside the United Kingdom, Europe, and the United States. These services cater to global clients requiring these payment rails for settlement purposes.