Financial infrastructure
for software businesses.
Software companies sell everywhere, but most banking and payment infrastructure is still built for one country at a time. Multi-currency invoicing, contractor payouts, and vendor payments turn into a patchwork of accounts, delays, and manual reconciliation just as you’re trying to scale.
One stack,
every workflow.
Collect revenue, pay your team and settle globally — one integration, reconciled in one dashboard.
Talk to salesCollect revenue in 25+ currencies
Global Accounts to collect subscription revenue and invoices in 25+ currencies — named IBANs per entity or customer, received on local rails and reconciled automatically.
Pay teams and contractors instantly
Multi-Currency Cards to pay distributed teams and contractors instantly — virtual and physical, issued in seconds, with limits and controls that stay live.
Accept payments at checkout
Acquiring Services to accept card and alternative payments at checkout — major international schemes plus local methods, from one integration.
Digital asset payments and treasury
Crypto Services for companies exploring digital asset payments or treasury — regulated on- and off-ramps, dedicated custody, and one ledger across fiat and crypto.
Everything you need to monetise globally.
Five products, one stack. Plug in only what you need — or all of it.
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Accounts
Global accounts
Dedicated IBANs in 28+ currencies. Hold, send and receive on local rails — named accounts per customer, real-time reconciliation, no commingled funds.
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Cards
Multi-currency cards
Virtual and physical cards in 28+ currencies.
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Payments
Acquiring
Cards, wallets and 40+ local methods — one integration.
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Crypto
Crypto services
Stablecoin treasury and regulated on- and off-ramps.
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Treasury
Treasury Yields
Money-market yields on idle multi-currency balances.
Built around how software companies run.
Built for every stage
From your first market to dozens — infrastructure that scales with you instead of needing replacing as you grow.
One dashboard
Treasury, spend and payouts in one place — no stitched-together vendors, no reconciliation gymnastics.
Teams that speak software
A dedicated solutions engineer from day one — integration path, sandbox keys and go-live support.
Built for software at every scale.
Whether you’re launching your first market or already running across dozens, Xoala plugs into your stack — talk to our team about your integration path.