It’s your cash.In your control.
Existing options are too slow, expensive, or uncertain.

Traditional payment rails like ACH and checks are slow, cumbersome, and do not operate on weekends or holidays.

Emerging alternatives such as cryptocurrencies and stablecoins are technologically elegant but operate with regulatory uncertainty and still rely on existing rails.

As a result, cash flow or liquidity is tied up because of traditional payment rail inefficiencies.

Xand helps financial firms unlock real time settlement.
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Existing legal frameworks & regulations.

Xand claims are USD-denominated, digital representations of a limited, contractual right to redeem in equal amount against funds held in trust at participating banks.

Member-led governance.

Network members have shared interests, likely already transact with each other, and can now collectively govern in the network’s best interest.

Modern blockchain software.

Leverage the inherent advantages of blockchain and cryptography, and benefit from unique Xand features including patent-pending transaction confidentiality.

Compatible with existing banks.

Members can retain their banking relationships because Xand uses existing bank APIs to integrate into a network.


Cash flow. Controlled.

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

Liquidity. Instantly.

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

Accuracy. Automated.

Automate payment processing and reconciliation to reduce human errors and processing time.​

Xandbox is our developer toolkit.
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Test before deploying.

Thoroughly analyze how Xand works, model out setups and integrations, and test configurations before deploying into production. Learn more from our CTO.

Easy to use.

Setup is easy, with full operating instructions for custom installations using docker-compose.

State of the art.

Built with Substrate and Rust, Xand is secure and fast, representing state-of-the-art distributed systems engineering.​​

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