Why businesses choose XPay
Transform your payment infrastructure with Rwanda's most advanced digital currency platform
Instant Settlement
Process transactions in real-time with final settlement through BNR's infrastructure, eliminating traditional banking delays and improving cash flow.
Universal Addressing
Accept payments from any FSP in Rwanda using XPA/XBA addresses. One integration works with all banks, MNOs, and fintech providers.
Hybrid Security
Bank-level security with hybrid CBDC model combining token-based privacy and account-based compliance for complete regulatory oversight.
Lower Costs
Reduce transaction costs through efficient batching and competitive FSP environment. Save on processing fees and operational overhead.
Easy Integration
Simple APIs and SDKs for seamless integration. Connect your existing systems to Rwanda's digital currency infrastructure with minimal development.
Cross-border Ready
Enable international payments through interlinking standards. Start with EAC corridors and expand globally as the network grows.
Built for every business need
From small shops to large enterprises, XPay scales with your business
Retail & E-commerce
- Accept payments from any customer regardless of their FSP
- Instant settlement improves inventory management
- Lower transaction fees increase profit margins
- Offline payment capability for rural areas
Financial Services
- Connect with other FSPs through universal addressing
- Reduce operational costs with efficient batching
- Revenue sharing model for onboarding new clients
- Full compliance with BNR regulations
Government & NGOs
- Efficient G2P and P2G disbursements
- Transparent and traceable transactions
- Reach unbanked populations through XPA addressing
- Programmable payments with smart contracts
Cross-border Business
- Significantly lower remittance costs
- Fast settlement across EAC corridors
- Transparent exchange rates and fees
- Interlinking standards for global expansion
Ready to transform your business payments?
Join the waitlist for exclusive early access to XPay's revolutionary business solutions. Be among the first to experience the future of payments in Rwanda.