The bridge to african banking rails

The African cross-border payment landscape represents a massive commercial opportunity that has been historically underestimated by looking solely at remittance data.

While consumer remittances contribute approximately $100 billion annually, the true total addressable market is a multi-trillion dollar ecosystem driven by global commodities trade, B2B supply chain settlements, corporate payroll, and the surging digital economy.

However, a significant portion of this volume faces a critical bottleneck. High-value corporate flows, mass payroll for platforms like Deel, and commodity settlements for agricultural exports cannot rely on the low limits and fragmentation of mobile money wallets.

Yet, the formal banking sector in Francophone Africa has historically been too fragmented and operationally expensive for global platforms to access efficiently. For years, Payment Service Providers (PSPs), global HR platforms, and commodity traders have faced a binary choice: suffer the opacity and multi-day latency of traditional correspondent banking, or attempt to navigate a landscape plagued by technical delays, high fees, and the need for complex individual integrations.

Xend has engineered a solution to this infrastructure gap, not by finding a shortcut, but by undertaking the rigorous operational groundwork that global institutions have historically avoided.

We have spent years aggregating the fragmented banking sectors of the XOF and XAF zones, forging individual partnerships and technical integrations with over 80 separate financial institutions.
This was not a passive aggregation; it required us to secure the necessary regulatory foundations independently, including a PSP license from the BCEAO for operations in the UEMOA zone and an MSB registration from FINTRAC in Canada.

By absorbing this heavy lifting, we allow entities ranging from remittance companies, payroll giants and neo-banks to commodities firms to bypass the need for establishing their own local regulated entities or managing hundreds of due diligence processes, effectively replacing months of onboarding friction with a single, unified integration point.

The result of this infrastructure build is that "instant" is no longer exclusive to consumer wallets or low-value transfers.

Xend has removed the friction from banking transactions, ensuring that liquidity moves efficiently across the ecosystem without the traditional delays of the correspondent banking chain.
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Through our partner dashboard, clients across all verticals (whether doing remittance, paying remote workers, settling high-volume agricultural trade invoices, or managing travel vendor payments) can now trace settlements from initiation to final deposit with total clarity.

By leveraging the rails we have built, Global Payment Originators can now offer instant settlement into over 30 million bank accounts, effectively capturing the high-value volume that cannot sit on mobile rails while eliminating the manual reconciliation headaches and operational overhead that once defined the market.