CLOSE

Arrow image

Unlock payments.
Unleash possibilities.

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.

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

Dollar sign with arrows encircling counter-clockwise

Cash flow.
Controlled.

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

Bulls eye

Accuracy.
Automated.

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

Circle containing wavy lines

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

Coin with dollar sign

Extensive legal, regulatory and compliance expertise

Icon representing cryptography

Deep software and cryptographic capabilities

Shield

Dedicated to holding the highest security posture

Stylized icon of a human

Interdisciplinary, and experienced product-centric teams

LEARN ABOUT TRANSPARENT

Curious how Xand can help your business? Leave your details here

Transparent Financial Systems, Inc.
© Copyright 2020

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.