— Payment INFRASTRUCTURE · AFRICA

Settle into
Africa in seconds,
not days.

A regulated payment fabric that aggregates eighty-plus banks across the XOF zone into a single API. Instant settlement, deterministic reconciliation, and a regulatory shield in two jurisdictions — without correspondent-banking latency.
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Learn about the platform
COVERAGE
30M+ bank accounts · 8 countries
BANKS
80+ direct integrations
licences
FINTRAC MSB
SETTLEMENT
~9s p50, pre-funded
SUPPORTED BY
INCUBATOR MEMBER · 2026 COHORT
Fintech Cadence logo with stylized dots and bars forming abstract shapes next to text.
INCUBATOR MEMBER · 2026 COHORT
0
M+
Bank accounts reachable across UEMOA zone.
0
+
Direct bank integrations — no correspondent intermediaries.
0
s
Median settlement time, initiation to final deposit.
0
h
From KYB submission to funded live account.
— The platform

The infrastructure global banks declined to build.

For years, sending money into West Africa meant choosing between the opacity of correspondent banking or the ceiling of mobile-money rails. Xend does the unglamorous work — direct bank integrations, regulatory groundwork, pre-funded liquidity — so your platform can offer the result: instant, traceable, high-value settlement.
ORIGIN BANK
01 · SETTLEMENT
Instant rails, not faster waiting.
Pre-funded local liquidity in every corridor means initiated transactions land in the receiving bank in single-digit seconds. No correspondent chain, no FX hedging windows, no overnight cut-offs.
XOF zone
8 countries
Currencies
XOF · EUR · USD · CAD
SCREEN · LICENCE
02 · COMPLIANCE
Our licences are the integration.
Xend holds the regulatory relationships directly. Your platform settles through our TSP and MSB shields with automated reporting to the central bank and AI-monitored transaction screening at the edge.
FINTRAC
MSB · Canada
KYC/KYB
72h onboarding
WEBHOOK EVENTS
03 · VISIBILITY
One ledger, traced end-to-end.
The partner dashboard surfaces every leg of every transaction — initiation, FX, routing, deposit confirmation. Webhooks fire on each state. Reconciliation reports export in your accounting platform's native format.
Webhooks
TLS · HMAC-signed
Exports
CSV · JSON · ISO 20022
— HOW IT WORKS

Four states. One API call.

Every payout traverses the same deterministic path. You initiate; we route, settle, and confirm. State changes arrive as webhooks; the final ledger is a single immutable record.
Your platform POST /payouts Xend RAILS BICIA-B BOA-SN Ecobank UBA-CM Coris-CI Orabank SGBS BSIC-NE Originator Routing & liquidity Receiving Bank
lifecycle
From originator to receiving bank.
01
Initiate
Single POST with beneficiary IBAN, amount, and corridor.
T + 0S
02
Route
Screening, FX lock, bank selection within receiving zone.
T + 2S
03
Settle
Pre-funded local liquidity moves into the receiving account.
T + 7S
04
Confirm
Bank-confirmed deposit webhook with reference and signature.
T + 9S
— USE CASES

Built for the volume that doesn't
fit on a wallet.

Xend is in production with PSPs, global payroll platforms, commodity traders, and travel operators. Every category below is a corridor we've built the rails for, not a vertical we aspire to.
Learn more
Remittance
Payroll
Trade settlement
Travel vendors

Land high-value remittances in the receiving bank, not on a wallet.

Above the mobile-wallet ceiling, your senders need actual bank deposits. Xend lets you route any size payout to the named beneficiary's account in seconds, with proof of deposit returned 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, with name-matching at the rail level.
End-to-end receipts. Cryptographically signed deposit confirmations for compliance retention.
dashboard.xend / payouts
Aïssatou D.RMT-9412
XOF 850,000
CA → SN
Settled
Mamadou C.RMT-9413
XOF 1,240,000
CA → CI
Settled
Fatima B.RMT-9414
XOF 600,000
CA → BF
Routing Settled
Live · 3 of 247 todayp50 · 9s

Pay remote teams in their home bank, on payday — every payday.

Global HR platforms use Xend to batch payroll into XOF accounts on the same calendar day as USD/CAD origination. Workers receive bank-grade deposits without converting through a wallet or accepting reconciliation delay.
Batch initiation. One file, hundreds of payouts, atomic at the corridor level.
Tax-receipt audit trail. Per-payout records suitable for local employment reporting.
Same-day cycle. Origination at 09:00 lands by close of business locally.
dashboard.xend / payouts
Engineering — MayPAY-2026-05
USD 184,200
Batch · 38 employees
Settled
Operations — MayPAY-2026-05
USD 92,400
Batch · 21 employees
Settled
Contractors — Q2PAY-Q2-26
EUR 47,800
Batch · 14 contractors
Routing Settled
Cycle 05/2026p50 · 9s

Settle agricultural and commodity invoices on the receiving day.

Cocoa, cashew, and other commodities invoices have historically waited days for clearance through correspondent chains. Xend collapses that window — the receiving cooperative or warehouse sees funds before the lorry leaves the yard.
Invoice referencing. Settlement linked to your existing PO and invoice IDs end-to-end.
Multi-recipient splits. Distribute a single trade payment across cooperative members at the rail.
Treasury-grade ledger. Position and counterparty exposure visible in the dashboard in real time.
dashboard.xend / payouts
Coop Agri-SudINV-4471
XOF 18,400,000
Cocoa · 14 tons
Settled
Sahel Cashew LtdINV-4472
XOF 9,250,000
Cashew · 6 tons
Settled
Niger Cotton SAINV-4473
XOF 22,100,000
Cotton · 18 tons
Routing Settled
Harvest cycle · Q2p50 · 9s

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

Travel platforms use Xend to settle vendor obligations in local currency without the working-capital overhead of pre-position FX. The booking, the FX lock, and the settlement happen on the same transaction line.
Per-booking settlement. Each reservation can settle independently or batch into a vendor cycle.
FX at booking, not at payout. Lock the rate at confirmation; the rate moves with the booking record.
Vendor-led reconciliation. Vendors download a remittance advice keyed to your booking IDs.
dashboard.xend / payouts
Hôtel TerangaBKG-77104
XOF 1,820,000
Stay · 4 nights
Settled
Bandiagara ToursBKG-77105
XOF 940,000
Excursion · 6 pax
Settled
Hôtel Novotel DakarBKG-77106
XOF 320,000
Stay · 1 night
Routing Settled
Vendor cycle · weeklyp50 · 9s
— coverage

Choose a corridor.

Pick an originating jurisdiction and a destination zone. Settlement time, supported currencies, and the licence carrying the flow appear below — these are the same parameters returned by the /corridors endpoint.
Coverage extends through direct integrations with eighty-plus banks. Names, BICs, and account-format rules are returned in the GET /banks response.

Median settlement
FX
Locked at initiation
Countries
Funding model
Pre-funded · post-paid option
Settlement speed
Instant15s
— compliance

Our regulatory posture is
the product.

Most aggregators stop at "we connect banks." Xend holds the licences that let those banks accept the flow. That's the difference between a router and an institution — and it's why your platform can settle through us without standing up a local entity.
Learn more
CANADA · FINTRAC
Money Services Business
Authorises Xend to originate cross-border payments from Canada, hold customer funds in segregated accounts, and apply Canadian-grade KYC/KYB to senders.
Registration
M21·••••63
UEMOA
Technical Payment Provider
Authorises direct settlement into the West African Monetary Union, automated central-bank reporting, and operation of the regional clearing relationships behind the API.
Provider
PSP-BCEAO-••
— QUESTIONS

What partners ask first.

Real questions from PSPs, payroll platforms, and treasury teams in the onboarding pipeline. If yours isn't here, the team replies inside a business day.
Do you offer post-paid settlement, or is pre-funding required?

Both. The standard model is pre-funded — your platform tops up a corridor balance and we settle against it for guaranteed sub-ten-second confirmation. For volume above an agreed monthly threshold we extend a post-paid line: you initiate, we settle from our liquidity, and you reconcile on the next business day. Capital-efficiency questions are part of the commercial onboarding.

Can my company settle directly into XOF accounts without you?

Not without a locally regulated entity. Direct settlement in the UEMOA zone requires either a BCEAO PSP licence or a relationship with a bank that holds one. Xend operates with full coverage on both sides — FINTRAC on origination, BCEAO on the receiving side — and acts as the regulatory layer between your platform and the receiving banks. Your company must, however, be registered as an MSB or equivalent in your originating jurisdiction.

What is the KYB onboarding window?

Submit standard corporate documentation — incorporation, beneficial ownership, AML policies, originating-licence copy — and our compliance team will return an approval decision within 72 hours. The remaining time is funding-related: agreeing a corridor balance, signing the master services agreement, and provisioning sandbox keys. Most partners are live in production within two weeks of first contact.

How do you handle suspicious activity and central-bank reporting?

Every transaction passes through an automated governance engine: rule-based screening for sanctions, AI-monitored pattern detection for structuring and atypical behaviour, and per-batch reports formatted for BCEAO submission. Suspicious activity reports are filed on behalf of the corridor under our licences, with full audit trails available to your compliance team in the dashboard.

When does the platform go live?

The public API is in private beta as of Q1 2026, with general availability planned for the end of Q1 2026. Existing partners are settling in production today through onboarded corridors. Request access to be slotted into the next onboarding cohort.

ONBOARDING

Move money into Africa the way it should have worked all along.

Request access and we'll route you to the right compliance and integration counterparts. Onboarding to first live payout typically runs ten to fourteen business days.
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Talk to compliance