A REST API with predictable resources, signed webhooks for every state change, and a sandbox that mirrors production. No SOAP, no batch files unless you want them, no correspondent-banking guesswork.
Xend is not a bank. Xend is a money services business registered with FINTRAC (Canada). Xend UEMOA SA operates under a Payment Service Provider licence issued by the BCEAO. Funds in transit are held in segregated accounts at named partner institutions. Settlement times are typical figures observed in production and are not contractual commitments unless specified in an executed services agreement.