Move money as fast
as you move goods.
Wholesale and trade businesses run on tight margins and tighter timing — supplier payments, customer collections, and FX conversions all need to happen fast, across borders, without getting stuck in correspondent banking delays.
One stack,
every trade lane.
Receive from customers, pay suppliers and convert between currencies — one integration, reconciled in one dashboard.
Talk to salesCollect and pay in local currency
Global Accounts and IBANs for receiving customer payments and paying suppliers in local currency — no correspondent chains, no intermediary fees eating the margin.
FX without the middlemen
Competitive FX conversion between held currencies without third-party intermediaries — convert when the rate works for you, settled instantly between your own balances.
Every way your customers pay
Acquiring Services for customers paying by card or alternative methods — settled into the same account your suppliers are paid from.
Spend on the ground, anywhere
Multi-Currency Cards for procurement and logistics spend on the ground — issued per team or per route, charging at mid-market rates.
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.
Why trade businesses choose Xoala.
Built for cross-border flows
Built for cross-border flows from day one — not retrofitted from a domestic banking product.
Cash never sits in transit
Fast settlement on local rails so working capital isn’t stuck between banks while goods are already moving.
Every risk profile
Experience serving corporates across low, medium and high-risk jurisdictions — we understand the markets others avoid.
Move money as fast as you move goods.
Supplier payments, customer collections and FX — settled in seconds instead of sitting in correspondent banking. Talk to our team about your flows.