Move Money Anywhere.
Grow It When You're Ready.
Send money to anyone in seconds, receive payments from anywhere, and hold a USD balance that earns standard USD interest rates. One account for paying and growing.
Everything Your Money
Needs To Do
Payments are live today. Send and receive across borders, hold your USD balance, and keep the whole picture in one account.
Three Steps.
Money That Moves.
Open Your Account
- Sign up in under 2 minutes
- Verify your identity (KYC) — usually within 24 hours
- Your balance is held in USD
Fund Your Wallet
- Bank wire in USD
- Crypto deposits in BTC, ETH or USDT
- Balance is available as soon as it clears
Send, Spend or Earn
- Send to any x-moneypay user instantly, or wire internationally
- Receive payments straight into your balance
- Put idle USD into an Earn plan at a standard interest rate
KYC-verified accounts
Every account holder is identity verified before money moves.
Segregated client funds
Customer balances are held apart from operating funds.
Sanctions screening
Transfers are screened against OFAC, UN, EU and HMT lists.
24/7 operations
Transfers between users and crypto deposits settle around the clock.
Get Paid.
Pay Out. Globally.
A business account runs on the same rails as a personal one: receive by wire or crypto, hold your working capital, and pay the people you work with in seconds.
Explore Business- Accept USD payments from customers worldwide
- Pay suppliers and contractors from one balance
- Bulk payouts to x-moneypay users at no fee
- Dedicated support and a named account manager
Money You Aren't Spending
Should Still Be Working
Keep what you need for payments. Move the rest into an Earn plan with a standard USD interest rate and a fixed term, or back a project for a longer horizon. Interest is paid back into the same balance you send from.
Put Idle Balance
To Work
Move USD from your wallet into an Earn plan and receive a standard USD interest rate for the term you choose. Interest is paid back to your balance, where you can spend or send it.
Trusted For Payments
And Growth
Feedback from verified account holders who send, receive and earn with x-moneypay.
“Transfers land in seconds”
I pay two contractors every Friday. Sending to their x-moneypay accounts is instant and there is no fee between users. It replaced three separate banking apps for me.
Jonathan P.
London, UK
“One USD balance for everything”
I get paid in USD from clients in three countries and it all lands in one balance. Withdrawing to my bank is straightforward and the fee is shown before I confirm, every time.
Sarah M.
New York, USA
“Idle cash finally earns something”
I keep a working balance for payments and moved the rest into a six-month Earn plan. The USD rate was stated up front and interest arrived back in my balance on schedule.
Takeshi R.
Tokyo, Japan
“Clear fees, no surprises”
The fees page says what everything costs and the app matches it. Wire withdrawals reached my bank in two business days. That consistency is why I trust it with real money.
Elena V.
Zurich, Switzerland
“Crypto in, dollars out”
I deposit USDT, hold USD, and pay suppliers by wire from the same account. Deposits credit as soon as they confirm on chain and the whole flow is tracked in one history.
Marcus D.
Dubai, UAE
“Works from anywhere”
Onboarding and KYC were done in a day. I receive client payments from Europe and the US into one balance, and sending to my local team costs nothing between accounts.
Amara O.
Lagos, Nigeria
Open Your Account
In Minutes
Send and receive money worldwide, hold a USD balance, and earn standard USD interest on the balance you keep. No minimum to open an account.