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xobank.cash
01Rails

Nine rails. One routing engine. Zero surprises.

Every payment goes through the Rail Router. It picks the cheapest and fastest path for the amount, corridor and time-of-day.

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
03Router

How the router decides.

Amount
Cross-checks fee floors and per-rail max
Corridor
Origin & destination residence · KYC state
Time-of-day
PIX/SEPA cutoffs, ACH windows
Recipient hint
Wallet? @tag? IBAN? CLABE?
Onchain fees
Live Base and Solana gas oracle
Sender preference
Speed vs cost slider · saved defaults
Rails

Pick the path. Or let us pick.

Send by @tag. The router does the rest.

See how it works