Banking
after banks.
One account. Every currency. Every rail. A neo-fintech built for humans — and for the AI agents they set loose on the world.
Numbers that move because money is moving.
Every rail. Every currency.
All under one balance.
Nine rails.
One routing engine.
The Rail Router picks the cheapest and fastest path for every transfer. You see the fee before you sign. No spread hidden in the exchange rate.
The revenue side of the creator economy.
Connect every platform. See income the moment it settles. A tax vault sets money aside on receipt so you never scramble in April.
HTTP 402,
resurrected.
bankai extends the x402 protocol with agentic budgets, spend limits and audit-ready receipts. Give your agent a wallet. Not your seed phrase.
Titanium in the pocket.
Stablecoins on the chip.
Four tiers, one philosophy: a physical object designed like consumer electronics that happens to live on four blockchains. Cashback settles in USDC.
The account behind quiet fortunes.
And loud creators.
“I switched from three banking apps to xobank in an afternoon. PIX settles before I finish the sentence, USDC lives on the same screen, and I finally understand what my card actually costs me.”
“Our finance ops runbook used to be 47 pages. With xobank + bankai, it's a Notion page. Agents pay for APIs, cards reconcile against Xero, and the treasury earns yield we can prove onchain.”
“The first neo-bank that doesn't feel like a re-skin of the last one. The card is the object I actually want in my wallet, and the app respects my time.”
“Bankai unlocked a category we didn't have a name for: paid autonomous agents. My scraper pays its own API bill in USDC on Base and I read the receipt in ISO 20022. Wild.”
“Cashback that lands in the treasury on the same day, split across USDC and fiat. We stopped chasing three portals and started shipping product again.”
“The console feels like Linear for money. I approve a wire the way I close a ticket. Everyone on my finance team switched in the same week.”
Custody you can audit.
Ops you can trust.
Every question.
Straight answers.
The three questions people ask most and the three we wish they asked. If yours isn't here, email us.
info@xobank.cash →No. xobank.cash is a financial technology company. Fiat accounts are held at partner banks (FDIC-eligible in the US, EMI-licensed in EU, SCD in Brazil). Digital assets are held by qualified MPC custodians. We publish the exact split in every trust report.
USDC on Base and Solana, USDT on Tron, PYUSD on Ethereum. Held 1:1 by the issuer. On/off ramps go through Circle, Bridge, and MoonPay depending on jurisdiction. You always see the exact FX rate and fee before you sign.
BAPARA is our payment protocol for AI agents. If you're a human using xobank, you can ignore it. If you're building an agent that pays for APIs, MCP tools, or datasets, BAPARA is the reason your agent can pay without a credit card, an approval workflow, or a leaked API key.
Brazil (PIX + card), Mexico (SPEI + card), US (ACH/Fedwire + card), EU (SEPA Instant + card), UK (Faster Payments + card). Global for USDC/USDT holdings and card usage.
Every card is issued on the Visa network. Cashback settles in USDC. You can freeze, unfreeze, PIN, spending-cap, per-merchant lock, or delete a card in one tap. Physical cards ship in 3–5 days worldwide. Virtual cards issue in seconds.
info@xobank.cash for general questions, creators@xobank.cash if you're a creator, sales@xobank.cash for business, security@xobank.cash for security issues (24/7 monitored, PGP available), press@xobank.cash for media.
Money that moves as fast as you do.
Sign up in minutes. Fund with USDC on Base, PIX in Brazil, SEPA in Europe, or a wire from your bank. Your card lands in the app instantly.