Convert Crypto & Fiat
Move both ways — crypto to fiat or fiat to crypto — at real-time rates with instant settlement. Zero slippage on quoted prices.
Globally manage, scale and earn with ease
Corporate Banking Built For Global Businesses
One regulated platform for multi-currency accounts, instant FX, and global cards — built for businesses that operate across borders.
Our services
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Global
AccountsHold & transact in 28+ currencies, all from one account.
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Acquiring
ServicesAccept payments worldwide with built-in fraud protection.
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Multi-Currency
CardsBranded debit cards for teams, spending, and travel.
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Crypto
ServicesConvert crypto to fiat instantly at real-time rates.
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Treasury
YieldsEarn on idle balances across major currencies.
Branded Debit Cards
Multi-currency IBANs
Intuitive mobile app
Expense tracking & vault savings
Dedicated Wallets
Crypto Checkout Page
Alternative Payment Methods (APMs)
Manage your company's finances with Xoala's Business Accounts.
- 180+
- Local Payment Options
- 28
- FX Currencies
We specialise in integrated financial payment products and highly efficient FX services. At Xoala, payments and FX feel as simple cross-border as they do locally — removing barriers so businesses can operate at speed.
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Dedicated IBANs
Issue named IBANs for every customer or subsidiary in 28+ currencies. Reconcile instantly — no commingled funds.
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Real-Time FX
Convert between 28+ currencies at competitive interbank rates with live pricing and instant settlement.
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Global Payment Network
Tap into 180+ local payment networks through a simple API. Move money like a local everywhere.
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Settlement Speed
Local rails where they're available, SWIFT everywhere else — routed automatically so payments clear on the fastest path.
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Scalable Solutions
From your first transaction to your billionth — modular infrastructure that grows with your business.
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Spend Management
Review expenses to each expense card, categorize spend and reconcile each expense transaction to each employee card in real time.
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Dynamic Team Budgets
Allocate per-team budgets and reassign them in real time — no spreadsheets, no surprises.
Crypto Services
Crypto infrastructure
Crypto infrastructure
for modern businesses
Buy, sell, convert, and settle crypto with a compliant on/off-ramp infrastructure built for business use. Move between fiat and crypto with speed, transparency, and full control — directly from your XOALA dashboard.
Dedicated Wallets
A dedicated, one-time wallet for each collection — auto-reconciled.
Multi-Crypto Support
BTC, ETH, USDC, USDT, SOL and 20+ digital assets across major chains.
Unlimited Wallets
Create as many wallets as your operations require.
Pay for order · #4821
PAY
€129.00
≈ 0.00134 BTC
Pay with crypto →
Send 0.00134 BTC
WAITING
BTC ADDRESS
bc1q…ru4x
Bitcoin · Mainnet
Crypto Checkout Page
Drop-in branded checkout to accept BTC, ETH, stablecoins and more.
Multi-currency cards
One card,
One card,
every currency you trade in
Issue physical and virtual cards in 28+ currencies. Spend where you earn — no FX markup, no surprises.
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Instant card issuance
Spin up new cards for any team member in seconds — no paperwork, no waiting.
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Multi-currency support
Spend in EUR, USD, GBP and 50+ more — no forced conversion at the till.
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Virtual & physical options
Issue virtual cards for online spend or physical cards for in-store, globally.
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Cards for employees
Give every team member their own card, issued under your business account.
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Real-time monitoring
Track every authorisation, decline and settlement as it happens, in real time.
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Interbank FX
Live mid-market rates with zero markup — the price you see is the price you pay.
Acquiring Services
Accept payment the way your customers prefer
Plug into a global network of card schemes, account-to-account rails, and local wallets — covering 100+ countries with a single integration.
More than one-off checkout
Recurring billing, Pay-by-Link, dynamic QR — plus tokenisation for one-click repeats.
Embedded payments
Drop our SDKs into your app or platform — accept payments inside your own flow, branded as yours.
Bank-grade trust, day one
Vaulted tokens, 3DS2, SCA-ready flows, and risk rules that scale with your volume.
Run it all from one BackOffice
Live transactions, refunds, disputes and reporting — for ops, finance, and support teams.
Local payment methods
Every payment method your customers expect
From cards and wallets to local bank rails — 40+ payment methods your buyers already use, at home and across borders.
See all payment methods
Tap to Pay
Turn any iPhone or Android into a contactless terminal — accept cards and wallets straight on the phone.
Payment Links
Generate links to collect payments via email, SMS, or QR. No integration required.
Round-trip money movement
Payouts, marketplace splits, multi-currency settlement and real-time FX from one dashboard.
Principal member and direct participants
Integration paths
Pick the path
Pick the path
that fits how you build
Skip engineering with hosted checkout, drop a plugin into your existing stack, or wire the API up exactly the way you want — every route lands on the same dashboard.
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No engineering needed.
Create a payment link in the dashboard, share it as a URL or QR, and you're collecting money in minutes.
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A plugin for your stack.
Connect Xoala to Shopify, WooCommerce, Magento and dozens more — install, configure, ship.
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Custom — start to finish.
REST API (S2S), mobile SDKs, webhooks and a free sandbox. Ship the exact flow your business needs.
Some of the sectors we serve
Built to solve what matters in your industry
From trading companies to global marketplaces — our infrastructure flexes to the way your business actually moves money, wherever you operate.
- Prop Trading
- Holding Companies
- Marketplaces
- Brokers & Crypto
- iGaming
- E-commerce
- Freelancers
- Travel
- Wholesale
- + many more
Don't see yours? We've probably built for it.
FAQs
Answers to the
Answers to the
most popular questions
Can't find what you're looking for? Browse the full FAQ for more questions and detailed answers.
View all FAQs-
Xoala caters to businesses of all sizes. Whether you’re an SME looking for flexible financial solutions or a large corporation needing high-volume capabilities, we tailor our services to meet your needs.
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Xoala is committed to keeping customer funds safe. Xoala is regulated and licensed in jurisdictions where it needs licences to operate. Xoala’s services are provided in compliance with applicable laws and regulations. How Xoala protects its customer funds depends on the regulatory requirements of the jurisdictions where the relevant Xoala entity is licensed to operate.
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Xoala is not a bank and the relationship of Xoala with you is not that of a bank or trustee. Your payments do not carry the benefit of any interest, and our services do not have the benefit of any government-backed insurance, guarantee or compensation scheme (for example, no compensation is available from the Financial Services Compensation Scheme if we are unable to meet our liabilities).
Xoala is the trading name of Xoala Asia, with incorporation number C228154, having registered office address at 6 St Denis Street, 1/F River Court, Port Louis, Mauritius is regulated by Financial Services Commission, Mauritius.
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When it comes to your financial information, your security is our top priority, therefore, when you access your account, it is important that we know it’s you. Here is how we do that:
Log in details – when you join Xoala you set up log in details unique to you. This will be your email address and password. We strongly recommend that you should not share them with anyone else.
Strong Customer Authentication (SCA) – The introduction of SCA legislation by the EU in 2019 is increasing security further. This means setting up two independent sources of validation to use when you access your account.
If you notice something suspicious and believe it could be fraudulent, we recommend that you get in touch with us as soon as possible.
Reporting Fraud: [email protected]
Suspicious Emails: [email protected]