Payments infrastructure for USD stable currency & cards.

Non-custodial by designFunds settle straight to your derived addresses — keys never leave you.
Four chains, one seedETH, BSC, Solana and Bitcoin wallets derived on demand.
Automatic PSP fallbackCard declines retry on the next provider, transparent to the customer.

$2.84MSettled volume

1,902Active wallets

4Chains live

XLO Pay

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Spam AlertBeta

Please read this before you continue.

UAE, USA & UK onlyXLO Pay is in beta and currently onboards clients in these three regions. We do not serve customers anywhere else yet.
USD onlySettlement is in USD stable currency. There is no local-currency support — price, settle and reconcile in USD.
Beware of impostorsTelegram groups are using the XLO Pay name and logo to approach people. They are not affiliated with us. Never send them funds and never share your credentials, seed or API keys.

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