CashXChain provides a B2B cross‑border payment platform that converts fiat to stablecoins and settles transfers via programmable smart contracts on a public blockchain. The service delivers same‑day, real‑time settlement with a flat sub‑1 % fee, API and dashboard integration, and end‑to‑end encryption for compliance‑focused enterprises.
Funding
Funding not disclosed
Founders
Product
Problem
Businesses that need to move money across borders face high transaction fees, multi‑day settlement times, and opaque pricing structures, which erode margins and delay cash flow. Existing banking and payment networks also require manual reconciliation and lack real‑time liquidity visibility.
Solution
CashXChain offers a B2B cross‑border payment platform that leverages stablecoins and programmable smart contracts to execute transfers on a public blockchain. Funds are deposited, automatically converted to a stablecoin, and routed through encrypted smart‑contract logic to a partner network that delivers the payout in the recipient’s local currency. The system provides instant confirmation and same‑day settlement while maintaining predictable liquidity through on‑chain reserves. Fees are capped below 1 % and presented in a transparent, flat‑rate model, eliminating the variable costs typical of banks and legacy payment providers. Integration is available via RESTful APIs or a web dashboard, requiring no blockchain expertise from the user. End‑to‑end encryption and compliance‑first design, backed by a German utility‑model patent, protect transaction data and intellectual property.
Target Audience
The platform targets B2B customers that require global payouts, including small‑ and medium‑size exporters, online marketplaces, payment service providers, fintech firms, banks, and SaaS platforms seeking automated cross‑border disbursements.
Features
- Automatic conversion of deposited fiat into a stablecoin to lock in value and reduce exchange‑rate risk
- Smart‑contract‑driven settlement that enforces immutable transfer rules and instant confirmation
- API and web‑dashboard integration with pre‑built SDKs for rapid onboarding into existing ERP or payment systems
- Sub‑1 % flat‑fee pricing with real‑time fee calculation and no hidden charges
- Real‑time FX conversion and local‑currency payout through a vetted partner network
- End‑to‑end encryption and role‑based access controls for data security and regulatory compliance
- Patent‑protected transaction flow (DPMA utility model) ensuring proprietary process integrity
- Multi‑tenant architecture supporting SMEs, marketplaces, PSPs, fintechs, banks, and SaaS platforms