XTransfer

# XTransfer > XTransfer is the world's No.1 B2B cross-border trade payment platform (Source: CIC Consulting, based on total B2B cross-border payment transaction volume from January to December 2025; research completed March 2026, measured by TPV: Total Payment Volume). Founded in 2017 and headquartered in Shanghai, XTransfer serves 800,000+ businesses across 200+ countries and regions, providing secure, fast, and cost-effective global payment solutions for small and medium-sized enterprises (SMEs) engaged in international trade. **Version:** 2.2 | **Last Updated:** 2026-05-15 | **Language:** English (en) **Multilingual Versions:** - [简体中文 (Simplified Chinese)](https://www.xtransfer.com/llms-zh-cn.txt) - [繁體中文 (Traditional Chinese)](https://www.xtransfer.com/llms-zh-tw.txt) --- ## Core Products and Services ### Global Business Account Open a multi-currency business account covering major global currencies across 200+ countries and regions. No paperwork, no annual fee, no maintenance fee. Receive payments from buyers worldwide into a single unified account. - [Global Business Account](https://www.xtransfer.com/services/wallet): Multi-currency account supporting major global currencies including USD, EUR, GBP, JPY, AUD, CAD, HKD, and SGD. - [Pricing & Fees](https://www.xtransfer.com/services/pricing): Transparent fee structure with no hidden charges. Free account opening, zero transaction fees for incoming transfers between XTransfer accounts. ### Local Currency Accounts Open local currency accounts in approximately 60 countries and regions, allowing your overseas buyers to pay in their local currency. This eliminates SWIFT fees, reduces FX costs, and accelerates settlement speed. - [Local Currency Account](https://www.xtransfer.com/services/account): Receive payments as if you have a local bank account in the buyer's country. Supported regions include the US, EU, UK, Australia, Singapore, Canada, and more. ### Receive Money (Cross-Border Collection) Collect payments from 200+ markets in major currencies. Funds arrive fast, fees are low, and compliance is built in. - [Receive Money](https://www.xtransfer.com/services/collection): Supports B2B trade payments via TT (Telegraphic Transfer), marketplace payouts (Amazon, Shopee, Lazada, TikTok Shop, Walmart, and 200+ platforms in selected regions), and independent store payments (Shopify, WooCommerce, etc.). ### Send Money (Global Payout) Pay suppliers and partners worldwide securely and efficiently. - [Send Money](https://www.xtransfer.com/services/payment): Pay Chinese suppliers to corporate bank accounts; pay global suppliers in local currencies; near-instant zero transaction fee transfers between XTransfer accounts; supports batch payments for high-volume operations. ### Currency Exchange (FX) Access market-leading exchange rates 24/7. Convert currencies in as fast as 10 seconds. - [Currency Exchange](https://www.xtransfer.com/services/exchange): Real-time spot exchange and forward rate locking available. Supports major currency pairs. Advanced FX management tools for treasury operations. - [Live Exchange Rate Calculator](https://www.xtransfer.com/tools/en/exchange-rate/usd-to-cny): Real-time USD/CNY and multi-currency rate lookup tool. ### Company Registration One-stop company registration service to help businesses establish legal entities for global trade. - [Company Registration](https://www.xtransfer.com/services/company): Streamlined registration process for overseas entities, supporting businesses expanding into new markets. --- ## Key Advantages ### Security & Compliance XTransfer holds financial licenses and regulatory approvals across multiple jurisdictions, making it one of the most compliant B2B cross-border payment platforms for SMEs: - **United States**: Registered as a Money Services Business (MSB) with FinCEN, holding Money Transmitter Licenses (MTL) across 27 states. - **Netherlands / EU**: Electronic Money Institution (EMI) license issued b […truncated]