How It
Works
x-moneypay lets you send money instantly, receive payments from anywhere, hold a USD balance, and earn a standard interest rate on idle USD — all from one account.
Four Ways to Use x-moneypay
Send & Receive
Send money to other x-moneypay users instantly and for free, wire internationally in USD, and receive payments by wire or crypto.
Wallet
Hold your USD balance in one wallet and withdraw to your bank or a crypto wallet.
Business
Accept payments from customers and pay out to suppliers and contractors from a single business account.
Earn
Put idle USD balance to work in an Earn plan that pays a standard interest rate over a fixed term, with interest paid back to your balance.
Five Steps to Your
First Payment
Open Your Account
Sign up in minutes with your email and basic details. There is no minimum balance and no fee to open an account.
- Email and password registration
- Instant account activation via email confirmation
- No minimum to open; browse everything before funding
Verify Your Identity
Submit a government-issued ID and a quick selfie. Verification unlocks funding, sending money and Earn.
- Submit passport, national ID, or driver's license
- Liveness check (selfie) for anti-fraud protection
- Verification usually completed within 24 hours
Fund Your Wallet
Top up by bank wire or crypto. Funds land in your USD wallet once confirmed, ready to send, spend or earn.
- Bank wire transfer (USD)
- Crypto deposits (BTC, ETH, USDT)
- Balance is held in USD
Send, Spend or Earn
Pay other x-moneypay users instantly and free, wire money internationally or move idle USD into an Earn plan.
- Instant, free transfers between x-moneypay users
- International bank wires in USD
- Optional: Earn plans with a standard USD interest rate
Track and Withdraw
Follow every payment, balance and Earn plan from your dashboard in real time, and withdraw to your bank or crypto wallet whenever you need.
- Live dashboard with full transaction history
- Interest from Earn paid back to your balance
- Bank withdrawals in 1–5 business days; crypto faster
Earn on Your Balance.
Optional. Simple.
Standard USD Interest
Move idle USD balance into an Earn plan for a fixed term and receive a standard USD interest rate. Interest is paid back to your wallet balance, and your principal returns at the end of the term.
- Fixed terms with a stated interest rate
- Interest paid back to your balance
- Plan minimums shown on each plan
- No lock-in on the rest of your wallet
- Track progress from your dashboard
Longer-Horizon Projects
For customers who want a longer commitment, Projects offer allocation into specific long-term opportunities with their own terms, timelines and distribution schedules.
- Longer fixed horizons
- Terms and timelines shown per project
- Distributions credited to your balance
- Entry levels set per project
- Full details before you commit
Earn Plans
Move idle USD into a plan with a standard interest rate and a fixed term. Start any plan from your dashboard once your wallet is funded.
Flex Earn
From $100
Interest rate (USD)APY in USD. Interest accrues daily and is paid to your balance monthly.
The no-commitment option. Move money in and out whenever you like while your idle USD earns a standard rate.
- No lock-up — withdraw anytime
- Interest accrues daily
- Paid to your balance monthly
- Start from $100
3-Month Term
From $500
Interest rate (USD)Fixed APY in USD for the full term. Interest is paid monthly to your balance.
A short fixed term at a better rate than Flex. Your principal is returned to your balance at the end of the term.
- Fixed rate for the full term
- Interest paid monthly to your balance
- Principal returned at term end
- Early-exit terms shown before you confirm
6-Month Term
From $500
Interest rate (USD)Fixed APY in USD for the full term. Interest is paid monthly to your balance.
The balance of rate and flexibility most customers choose. Fixed rate, monthly interest, principal back at maturity.
- Fixed rate for the full term
- Interest paid monthly to your balance
- Principal returned at term end
- Early-exit terms shown before you confirm
12-Month Term
From $1,000
Interest rate (USD)Fixed APY in USD for the full term. Interest is paid monthly to your balance.
Our best standard rate for money you will not need this year. Fixed for twelve months, interest paid monthly.
- Our best standard rate
- Fixed for the full 12 months
- Interest paid monthly to your balance
- Principal returned at term end
How Your Money Moves
Payments are live. Deposit, send and receive in minutes, and put idle USD to work only if you choose to.
Deposit
Fund your wallet by bank wire (USD) or crypto (BTC, ETH, USDT). No minimum.
Send / Receive
Pay x-moneypay users instantly and free, wire internationally, and receive payments from anyone.
Earn
Optionally move idle USD into an Earn plan. Interest is paid back to your balance.
Withdraw
Withdraw to your bank in 1–5 business days, or to a crypto wallet faster.
Built for Security.
Designed for Trust.
Segregated Funds
Your capital is held in accounts separate from operational funds.
KYC Compliance
Full identity verification on all investors to meet financial regulations.
Global Access
USD accounts for customers wherever they are.
Secure Platform
End-to-end encrypted data handling and secure authentication.
Risk Disclosure
All investments carry risk. Past returns do not guarantee future performance.
24/7 Operations
AI systems and support operate continuously across all time zones.
Common Questions
Move Money
The Easy Way
Open your account in minutes, verify your identity, and start sending, receiving and holding USD — with Earn ready whenever you want it.