High-volume payments & payouts
Launch regulated crypto rails without becoming a payments company
On/off-ramp, payouts, FX and settlement under your brand, on Xchange360’s regulated infrastructure. You ship features; we run the rails.
In brief
How do fintechs add crypto rails?
Fintechs add crypto capability by embedding a regulated provider’s rails (on/off-ramp, payouts, FX and settlement) under their own brand, instead of obtaining licences and building infrastructure. Xchange360 supplies the compliant rails so a fintech can launch in weeks rather than years.
The problem
Licensing and infra are a multi-year detour
Building regulated crypto rails in-house means licences, banking, custody and compliance — years and capital most fintechs would rather spend on product.
Embed our rails and launch under your brand in weeks.
Your brand, our regulated rails
On/off-ramp + payouts
Move fiat and crypto and pay out at scale via API.
Settlement & FX
Regulated settlement with transparent conversion.
Sell once, board many
One integration serves your whole customer base.
Who it’s for
Fintechs and neobanks adding crypto
Vertical SaaS with payment needs
PSPs and MSBs extending their stack
Platforms wanting rails without the licence
FAQ
Common questions
Whose licence do we operate under? Do we still need our own?
The regulated activity runs under Xchange360’s licensed entities, so you can launch on/off-ramp, payouts, FX and settlement without obtaining those licences yourself. Whether you need any permission of your own depends on your product and jurisdiction. The desk and your compliance team should confirm the split before launch.
How do we integrate, and what does the API cover?
Rails are delivered via API covering on/off-ramp, payouts, FX and settlement, so one integration serves your whole customer base. The desk can share API documentation, sandbox access and the scope of endpoints during evaluation.
How long does it actually take to launch?
Because you embed existing regulated rails instead of building and licensing your own, launch is measured in weeks rather than the years an in-house build takes. Actual timing depends on your integration scope and onboarding checks; the desk can give a realistic estimate for your use case.
Who owns KYC/AML and the compliance obligations for our users?
As the regulated rails provider we carry the compliance obligations tied to the licensed activity, typically with a shared model for onboarding and monitoring your end users. The exact split of KYC/AML responsibilities is agreed up front. The desk can map who does what for your setup.
Is it genuinely white-labelled under our brand?
Yes. On/off-ramp, payouts, FX and settlement run under your brand, so your customers stay in your product while Xchange360 runs the regulated rails behind it. The degree of white-labelling and any co-branding can be scoped during integration.
How is the service priced for a fintech reselling to its base?
Pricing is set with the desk based on your needs, structured so you can build your own margin when you resell to your customers. The desk can walk through the commercial model for your projected volumes.
