Send. Receive.
Hold. Spend.
One account for every direction your money moves. Instant transfers between users, international wires, crypto rails and a USD wallet you can withdraw from any time.
Money Out, Without The Wait
Pay people, not paperwork. Free between accounts, clearly priced to the rest of the world.
To any x-moneypay user
Instant and free. Enter their email or phone number, confirm, and the money is in their balance.
International bank wire
Send USD to any bank account. The fee and the expected arrival window are shown before you confirm.
Transparent timing
User-to-user transfers settle immediately. Wires follow bank cut-off times and typically arrive within 1–5 business days.
Get Paid Your Way
Three ways in, one balance out. Every incoming payment lands in the same account with the same history.
From other users
Share your x-moneypay email or phone and get paid instantly, with no fee on either side.
By bank wire
Receive USD into your balance. Incoming wires credit as soon as they clear.
In crypto
Accept BTC, ETH and USDT. Deposits credit once confirmed on chain and sit alongside your fiat balance.
One Balance.
Held In USD.
Every account holds USD. Deposit by wire or crypto, see the whole balance in one place, and withdraw to your bank or a crypto wallet whenever you need. Idle USD can be moved into an Earn plan at a standard interest rate and comes back to the same balance.
See Earn plansAccount currency
USD
US Dollar — the only currency on x-moneypay
Deposit by
Bank wire · BTC · ETH · USDTWithdraw to
Bank account · Crypto walletKYC on every account
Identity is verified before money moves, usually within 24 hours.
Segregated funds
Customer balances are held separately from operating funds.
Sanctions screening
Transfers are screened against OFAC, UN, EU and HMT lists.
Payments FAQ
Short answers. Full details are in the Fees page and your dashboard.
No. Transfers between x-moneypay accounts are free and arrive instantly.