Financial infrastructure
for software businesses.
Your customers are everywhere. Your team is everywhere. Your banking is stuck in one country. Xoala is one account to collect revenue, pay contractors and settle vendors in 28+ currencies — reconciled in one place.
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.