— SOLUTIONS

One rail. Four kinds of payout.

The same instant settlement, deterministic reconciliation, and regulatory shield — applied to the flows that don't fit on a wallet. Each of these is a corridor we've built the rails for, not a vertical we aspire to.
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One rail Remittance Lands in the bank Payroll Home bank, on payday Trade Invoice settled Travel Booking currency
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01 · REMITTANCE

High-value remittances
that land in the bank, not a wallet.

Above the mobile-wallet ceiling, your senders need real bank deposits to a named beneficiary. Route any size payout and return proof of deposit in the same response cycle.
No transfer ceiling. Single payouts up to bank-defined limits, not wallet maxima.
Named-beneficiary deposit. Funds land in the recipient's account, name-matched at the rail.
Signed receipts. Cryptographic deposit confirmations for compliance retention.
Sample corridor
Origin
Canada · CAD
Destination
Senegal · XOF
Settlement
~ 8s
Receipt
Signed · webhook
Sample cycle
Batch
38 employees
Origin
USD 184,200
Destination
XOF accounts
Status
Settled
02 · PAYROLL

Pay distributed teams in their home bank, on payday.

Global HR platforms batch payroll into XOF accounts on the same calendar day as USD/CAD origination — no wallet conversion, no reconciliation lag.
Batch initiation. One file, hundreds of payouts, atomic at the corridor level.
Audit-ready trail. Per-payout records suitable for local employment reporting.
Same-day cycle. Origination at 09:00 lands by close of business locally.
03 · TRADE SETTLEMENT

Settle agricultural and commodity invoices on the receiving day.

Cocoa, cashew, and other commodities invoices have waited days for correspondent clearance. Xend collapses that window — the cooperative sees funds before the lorry leaves the yard.
Invoice referencing. Settlement linked to your existing PO and invoice IDs end-to-end.
Named-beneficiary deposit. Funds land in the recipient's account, name-matched at the rail.
Treasury-grade ledger. Position and counterparty exposure visible in real time.
SAMPLE INVOICE
Counterpart
Coop Agri-Sud
Reference
INV-4471
Amount
XOF 18,400,000
Settlement
Same day
SAMPLE BOOKING
Vendor
Hôtel Teranga
Reference
BKG-77104
Amount
XOF 1,820,000
FX
Locked at booking
04 · TRAVEL VENDORS

Pay hotels, ground operators, and DMCs in the booking currency.

Settle vendor obligations in local currency without the working-capital overhead of pre-positioned FX. Booking, FX lock, and settlement happen on one transaction line.
Per-booking settlement. Each reservation settles independently or batches into a vendor cycle.
FX at booking. Lock the rate at confirmation; it moves with the booking record.
Vendor reconciliation. Vendors download remittance advice keyed to your booking IDs.
GET STARTED

Tell us the corridor. We'll handle the rail.

Onboarding to a first live payout typically runs ten to fourteen business days, including compliance review.
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