For payments & settlement
XPAY
Value that moves in minutes.
Overview
The settlement layer under everything: stablecoin rails measured in minutes, interbank legs cleared same-day, and every movement tracked to the confirmation.
Capabilities
01
On-chain in ~2 minutes
TRC-20 transfers land in about two minutes with a flat network fee — no matter the size of the ticket.
02
Interbank, same day
Fiat legs clear T+0 through domestic interbank rails, instructed and timestamped automatically.
03
Confirmations you can count
Watch on-chain legs progress confirmation by confirmation — 20 to finality, each one logged.
04
Approval thresholds
Transfers under your limit move instantly; larger ones require a second approver. You set the line.
05
Flat, predictable fees
A network fee of 1.20 USDT — flat. Moving $2M costs the same as moving $10K.
06
An audit trail by default
Every leg, every instruction, every approval — logged with actor and timestamp, exportable on demand.
At a glance
On-chain arrival
≈ 2 minutes
Fiat settlement
T+0
Network fee
1.20 USDT flat
Finality
20 confirmations
Approvals
Threshold-based
Audit
Full, exportable