A complete rail for cross-border money
A comprehensive range of products and services for businesses and individuals — funds transfer, exchange liquidity, and multi-currency fiat on-/off-ramps, all settled on the XRP Ledger.
Four products, one regulated rail
We currently settle in 15 currencies directly on the platform.
Crypto Asset Gateway
Simplify your financial transactions with our secure and efficient exchange platform, designed to handle your fiat-to-crypto and crypto-to-fiat needs effortlessly.
Stablecoins
Access a wide range of stablecoins (pegged 1:1 to your chosen fiat currency) to maintain the value of your assets and ensure less volatility and greater stability in your transactions.
On-/Off-Ramps
Enjoy seamless and near-instant money movement into and out of fiat currencies, fully tracked on the blockchain ledger. On- and off-ramping is a core part of what we do.
Virtual IBANs
We also offer Virtual IBANs for selected currencies including GBP, EUR and others, giving you greater flexibility in receiving and managing payments.
What the rail does day to day
Funds transfer
Move value across supported corridors, settled as 1:1 fiat-pegged stablecoins on the XRP Ledger.
Xpand
Create sub-accounts and beneficiaries to manage client funds while all balances roll up to the main account.
Exchange liquidity
Deep liquidity for fast, reliable conversion between fiat and fiat-pegged stablecoins.
Automated trading
Xago partners with experts to help automate trading and conversions — contact us for more information.
See Xago in action
How our products power cross-border payments, on-/off-ramps, and business flows.
Xago on-/off-ramps
Expanding Into Africa
Exchange Control Regulations
Built for every client segment
Individuals
Send and receive money across borders into hard-to-reach corridors — per transaction, with no monthly fees.
Businesses
Manage client funds with Xpand sub-accounts and beneficiaries, all rolling up to a single main account.
Banks
Institutional-grade liquidity and multi-currency fiat on-/off-ramps on regulated, on-ledger rails.
Technology & scalability
Our platform leverages cutting-edge technology to ensure fast, secure and scalable transactions.
XRP Ledger
On-chain settlement
MongoDB
Scalable data layer
AWS
Secure cloud infrastructure