About
x-moneypay
x-moneypay is a payments platform with earning built in. Send money instantly, receive payments from anywhere, hold a USD balance, and earn a standard interest rate on idle USD when you choose to.
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Projects
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Open Projects
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Placed in Projects
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Earn Customers
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Earn Plans
Fast, Low-Cost
Money Movement
Sending money across borders has long meant slow settlement, opaque fees and poor exchange rates, with intermediaries capturing value at every step.
x-moneypay exists to change that. Instant, free transfers between users, international wires in USD, a USD wallet, and clear fees shown before you confirm.
And because money sitting idle should still work for you, Earn gives every customer a simple way to receive a standard USD interest rate on balance they are not using — without leaving the wallet.
Money That Moves
As Fast As You Do
We envision a world where paying a friend abroad, getting paid by a client overseas, or running payroll for a distributed team is as simple as sending a message.
That future is not a distant ambition — it is what x-moneypay is building right now, one verified customer and one payment at a time.
Global
Coverage
None
Minimum to Open
24/7
Platform Operations
100%
Segregated Funds
Four Products.
One Platform.
Payments
Send money to other x-moneypay users instantly and for free, wire internationally in USD, and receive payments from users, by bank wire, or as BTC, ETH and USDT deposits.
Wallet
Hold your USD balance in a single wallet and withdraw to your bank or a crypto wallet whenever you need.
Business
Business accounts let companies accept payments from customers and pay out to suppliers and contractors from the same USD wallet.
Earn
An optional way to earn a standard USD interest rate on idle balance. Move funds into an Earn plan for a fixed term and interest is paid back to your wallet.
Our Journey
Foundation
x-moneypay was founded with a single conviction: moving money should be fast, low-cost and open to everyone. The platform concept was developed.
Platform Build
Full-stack development of the account, wallet and compliance framework. Identity verification, segregated fund accounts and the customer dashboard were built from scratch.
Projects Go Live
The first long-horizon Projects opened to customers, giving early users a way to put balance to work over longer terms.
Earn Plans Launch
Earn plans launched, letting customers place idle USD into fixed-term plans that pay a standard interest rate back to their balance.
Crypto Rails
Crypto deposit rails were added for BTC, ETH and USDT alongside USD bank wires.
Payments Launch
Payments go live: instant free transfers between x-moneypay users, international wires and business accounts, with Earn built in.
What Sets Us
Apart
Transparent Fees
Transfers between x-moneypay users are free, and every other fee is shown before you confirm. See the full schedule on our fees page.
USD, Everywhere
Every account holds USD. Fund it by bank wire or crypto and send it to anyone, wherever they are.
Compliance-First
Identity verification on every account, segregated customer funds and continuous monitoring are built into the platform from day one.
Earn Built In
Idle USD does not have to sit still. Move it into an Earn plan with a standard interest rate and a fixed term, straight from your wallet.
What We
Believe In
Transparency First
Every fee, exchange rate and Earn plan term is shown up front before you confirm. No hidden charges, no surprises on your statement.
Customer Protection
Identity verification, segregated customer funds and continuous monitoring exist for one reason: to keep your money safe before anything else.
Access for All
Moving money across borders has been slow and expensive for too long. We believe anyone should be able to open an account, with no minimum, and pay the world.
Technology-Led
From instant transfers to a real-time dashboard, every layer of this platform is built on technology designed to make payments simple and fast.
Long-Term Alignment
We succeed only when our customers succeed. Our fee structure, product roadmap and support model all reflect that alignment.
Global Perspective
Money is borderless. We support USD wallets, international wires and crypto rails so customers can pay and get paid wherever they are.
The Team
Behind the Platform
Chief Executive Officer
Executive Leadership
Sets the direction of the company and is accountable for delivering fast, low-cost money movement to every customer.
Chief Financial Officer
Finance & Treasury
Oversees treasury, segregated customer funds and the standard interest rates offered through Earn plans.
Chief Technology Officer
Engineering
Leads the engineering team behind the payments rails, USD wallet and customer dashboard.
Head of Compliance
Compliance & Risk
Leads identity verification, anti-money-laundering controls and customer protection across the platform.
Head of Product
Product
Owns the customer experience across sending, receiving, wallet and business accounts.
Head of Customer Support
Support & Operations
Leads onboarding, support and day-to-day operations so every customer gets help quickly.
Be Part of What
We're Building
Open a free account in minutes and start sending, receiving and holding USD — with Earn ready whenever you want it.