It’s your cash.
In your control.

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.

Visualization of current payment system connecting payors and payees through the intermediary of respective parties' banks, ACH, Credit Card Rails, The Central Bank and The Fed

HOW IS XAND DIFFERENT?

The current system: Too slow and too expensive.

The current system utilizes multiple intermediaries to both verify and transfer funds with most of this being done manually. It’s secure and trusted and if you want to transfer cash, it’s your only option.

Visualization of current payment system connecting payors and payees through the intermediary of respective parties' banks, ACH, Credit Card Rails, The Central Bank and The Fed

The cryptoworld: Too new and too unproven.

Cryptocurrencies and stablecoins seek to get rid of the problem by getting rid of cash. In order to provide value, these novel approaches require all transacting parties to deal in tokens issued by yet another group of new intermediaries. And with no connection to the legacy systems and controls.

Annotated visualization of current payment system connecting payors and payees through the intermediary of respective parties' banks, ACH, Credit Card Rails, The Central Bank and The Fed. All aspects are crossed out except for an added crypto rail that connects the Payor and Payee, shortcutting all the other entities.

And too complex in today’s world.

As the majority of the world is not ready to give up on cold, hard cash, the crypto-world is simply adding new intermediaries and new risk to an already overly complicated system.

Annotated visualization of current payment system connecting payors and payees through the intermediary of respective parties' banks, ACH, Credit Card Rails, The Central Bank and The Fed. All aspects are crossed out except for an added exchange rails that connect the Payor and Payee, shortcutting all the other entities.

Xand: Cheaper, faster, better.

We bring best-in-class technologies that are proven to work to legacy financial systems to help them become more efficient, accurate, and transparent. All while staying within current regulatory frameworks and providing the security businesses have come to expect.

It combines the best in the existing financial system and the best in technology from the crypto-world to move payments forward.

Visualization of the Xand solution showing a payor and payee connected by their respective banks, via the Xand network.

Xand has been able to innovate through utilizing shared trust accounts between transacting parties. A distributed ledger simply works as a decentralized database to track the ownership of the funds therein.

Effectively, cash stays within the same bank but transfers between accounts therein. This makes payments much faster and more efficient.

WHO IS IT FOR

Xand is perfect for any set of business partners who frequently transfer funds amongst themselves.

Conventions.
Disrupted.

While helping future-proof legacy players, we are shifting conventions around both blockchain use and current payment solutions to address the issues holding payments back.

FROM

TO

Cash is converted into a stablecoin, cryptocurrency, token, or a security.

Cash is not converted into any token or security.

Requires both a system and process overhaul.

Works with current systems using simple APIs and keepingcurrent workflows

Requires new legislation to be compliant.

Works within current regulatory frameworks.

Requires a large consortium to create real value.

Just two transacting parties can create instant value.

All transactions are transparent.

Transactions remain private to businesses but transparent to compliance.

Risk is increased with multiple parties on a network.

Xand utilizes closed networks between only trusted strategicpartners that are BSA-regulated.

Transactions occur on a blockchain

A blockchain is merely used as a decentralized database

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

Transparent Financial Systems, Inc.
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