Move money between currencies at institutional rates.
Fund by card, convert at sub-10 bps spreads, hold a multi-currency wallet, and withdraw only to your own verified bank account.
- < 10 bps
- Spread on every quote
- 3DS2
- Card auth built in
- SEPA / SWIFT
- Withdraw to your bank
Indicative live rates. Locked at review for 30s.
Four clean stages, one straight line.
Every conversion follows the same path — visitor to verified, quote to settlement, balance to bank. No detours.
Acquisition & onboarding
Visitor lands, opens an account, and verifies identity with ID document, selfie and automated checks before unlocking the dashboard.
- Homepage · live FX calculator · sign-up CTA
- Email · password · profile
- KYC — ID document, selfie, checks
- Verified dashboard
Conversion — the FX calculator
Buy / sell both sides, pick either currency, enter source or target — get a live quote at sub-10 bps spread and confirm the exact rate.
- Enter source OR target amount
- Live quote < 10 bps spread
- Review · rate · spread · total
Settlement — backend
Card is authorised via 3DS2, captured and settled in CAD by acquiring, converted and settled to XPAYFX in EUR, then credited to your ledger balance.
- Card auth · 3DS2
- Acquiring settles in CAD
- Banking settles to XPAYFX in EUR
- Ledger credits EUR balance
Hold · convert · withdraw
Keep balances across currencies, convert one held balance into another, and withdraw only to your own verified bank account via SEPA or SWIFT.
- Multi-currency wallet (EUR, GBP, …)
- Convert held currency (e.g. EUR » GBP)
- Withdraw to OWN bank account
Identity-verified accounts
Automated KYC with ID document and selfie checks. Manual review when signals require it — never a black box.
Card-in, bank-out only
Fund with Visa or Mastercard through hosted fields and 3DS2. Withdraw only to your own verified bank.
Multi-currency by default
Hold EUR, GBP and more in one wallet. Convert between held balances at the same tight institutional spread.
By design, XPAYFX offers no in-product path to crypto or OTC. Withdrawals settle only to the customer's own bank account — what you do with your funds after that is entirely up to you.
From quote to wallet in minutes.
Create an account, verify once, and walk the full conversion flow end-to-end — with a live quote waiting on the next screen.