Unlock payments.
Unleash possibilities.

Settle B2B
payments instantly.
24/7. Zero fees.

Introducing Xand, a revolutionary B2B payments platform developed by Transparent that brings distributed ledger technology to legacy financial systems to make payments more efficient, secure, and accurate. For all.

Cash flow.
Controlled.

Enable efficient cash management and greater accountability through programmable payment terms.

Accuracy.
Automated.

Automate payment processing and reconciliation to reduce human error and processing time.

Liquidity.
Instantly.

Payments are finalized instantly, freeing up funds that can be used to create opportunities for growth.

ABOUT US

Your tech, finance,
and regulatory partners.

Our highly collaborative team of cryptographers, regulatory thought-leaders, and financial-system specialists, as well as world-class software and hardware engineers, are here to help you every step of the way.

DOMAIN EXPERTISE

Extensive legal, regulatory and compliance expertise

Deep software and cryptographic capabilities

Dedicated to holding the highest security posture

Interdisciplinary, and experienced product-centric teams

LEARN ABOUT TRANSPARENT

THE XAND DIFFERENCE

Legacy systems.
Future-proofed.

We partner with banks and businesses  to modernize their payments infrastructure with proven and mature technologies.

We keep the best of what works from  the current system while cutting out intermediaries and their fees. All while adhering to current regulations.

The Current System (aka THE SNAIL RAILS)

COST

The more you save, the more we make.

We don’t charge transaction fees.  Ever.   

Instead, our flat membership fee is  a small percentage of what we estimate you’ll be saving.

Save an estimated  $4,124,345 in transaction  fees per year*

Estimated Xand  yearly fee: $800

*Based on a company  sending xxx wire  transfers per year.

Unlock payments. Unleash possibilities.

Settle B2B payments instantly.24/7. Zero fees.