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xobank.cash
01Personal

Your money, without the middlemen.

An account that speaks fiat, crypto, and every rail in between. Built for people who move — across borders, timezones and asset classes.

01The product

Every rail. Every currency.
All under one balance.

Featured · 01

Nine payment rails, one router

USDC on Base and Solana, USDT on Tron, PIX, SPEI, SEPA Instant, ACH, Fedwire, SWIFT. We pick the cheapest and fastest rail automatically.

9
Rails
200ms
Median settle
217
Corridors
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02

Physical & virtual cards

Titanium, gold, onyx or aluminium. Instant virtual for online. All controlled from one app with PIN, freeze, limits and per-merchant rules.

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03

Multi-currency vault

Hold USD, EUR, BRL, MXN, USDC, USDT, BTC and ETH in the same account. Convert at true mid-market with visible fees before you sign.

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04

Studio for creators

Connect TikTok, YouTube, Spotify, Instagram, X and Patreon. Unified income, sponsor invoices and an automatic tax vault that sets money aside on receipt.

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05

Bankai for AI agents

Give your agent a wallet with a hard budget. It pays paid APIs and MCP tools via BAPARA (an x402-compatible protocol) and you get a signed receipt.

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06

Borderless by default

Accepted at 150M+ merchants. Withdraw at any Visa ATM. Send by tag @you or by wallet address — the network figures out the rest.

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02Rails

Nine rails.
One routing engine.

The Rail Router picks the cheapest and fastest path for every transfer. You see the fee before you sign. No spread hidden in the exchange rate.

USDC · Basecrypto
Latency~200ms
Fee$0.001
Cutoff time24/7 · always on
Max amount$5M / tx
USDC · Solanacrypto
Latency~400ms
Fee$0.0002
Cutoff time24/7 · always on
Max amount$2M / tx
USDT · Troncrypto
Latency~3s
Fee$0.01
Cutoff time24/7 · always on
Max amount$1M / tx
PIXfiat
Latency~10s
FeeFree
Cutoff time24/7 · always on
Max amountR$ 1M / tx
SPEIfiat
Latency~30s
FeeFree
Cutoff time24/7 · always on
Max amountMX$ 8M / tx
SEPA Instantfiat
Latency~10s
Fee€0.10
Cutoff time24/7 · always on
Max amount€100k / tx
ACHfiat
Latency1-3 days
FeeFree
Cutoff timeWeekdays · 15:45 ET
Max amount$25k / tx
Fedwirefiat
Latency~1h
Fee$5
Cutoff timeWeekdays · 18:00 ET
Max amountNo limit
SWIFTfiat
Latency1-5 days
Fee$25
Cutoff timeWeekdays · 17:00 local
Max amountNo limit
Open your xo account

Money that moves as fast as you do.

Sign up in minutes. Fund with USDC on Base, PIX in Brazil, SEPA in Europe, or a wire from your bank. Your card lands in the app instantly.

See how it works