Tokenized Payment Platform
Uniting tokenized and traditional banking into a seamless ecosystem that improves financial interactions and accessibility for all.
Tokenized Payments
Make payments using digital tokens that represent real money, giving extra speed and security.
Merchant Gateway
A tool that lets businesses accept digital and traditional payments from their customers in one place.
Blockchain Ledger Interface
Simple way to connect with blockchain technology so every payment is transparent and tamper-proof.
High-Speed Checkout
A fast, hassle-free checkout process that makes paying quick and easy for customers.
Payment Gateway
Accepts token-based payments (e.g., USXP, BRXP). Merchants can receive and settle purchases instantly.
Merchant Processing
Designed for B2B wholesalers and distributors. Handles high-volume, high-ticket merchant transactions.
Ledger-Based Token System
Balances tracked as ledger entries (USXP, BRXP). Real-time reporting with full compliance transparency.
E-Money Top-Ups
Clients can top up balances instantly in tokens. Integrated via API for seamless merchant operations.
Conversion / Swap (Ledger-Based)
Clients can convert between tokens (e.g., BRL ↔ BRXP, USD ↔ USXP). Front-end conversion on XPZ; backend handled by liquidity partners.
Billing & Invoicing
Merchants can issue invoices directly to clients. Supports token-denominated billing and reconciliations.
Sub-Accounts for Merchants
Merchants can create and manage sub-accounts under their main account. Useful for separating clients, departments, or supplier flows.
PIX Payments
Pay to self or directly to merchants using Brazil's PIX network. Bridges token balances with instant local settlement.
PXG Tab Access Integration
Built-in PXG tab inside XPZ for fiat banking access. Includes KYC verification and 2FA security.
Merchant Sign-Up & KYC Flow
Jurisdiction-based permissions applied automatically. Example: U.S. consumers restricted from opening personal accounts.
Transaction Tracking & Compliance Layer
Ability to backtrack payments down to the end consumer level. Ensures audit-ready compliance for wholesale and retail flows.
The Problem
B2B Businesses Face Slow and unreliable cross-border payments. B2B companies—especially in emerging markets—struggle to receive international payments quickly and securely. Traditional banking is slow. expensive, and full of compliance friction, often delaying or blocking legitimate transactions.
The Solution
Xpayz makes B2B payments instant, transparent, and predictable removing delays, hidden fees, and uncertainty. Its tokenized payment gateway ensures every transaction is ledger-based and fully compliant, giving global companies real-time settlement with the regulatory clarity banks require.
Traditional Banking Infrastructure
Access a global network of banking partners, manage multi-currency accounts, and optimize traditional payment operations through a single powerful platform.
B2B Payment Platform
A secure system that helps businesses send and receive payments from each other smoothly and quickly
Banking & SWIFT Access
Direct access to global banks and the SWIFT network for easy international money transfers.
KYC-Integrated
Built-in identity verification that keeps payments safe and compliant by confirming who's using the platform.
Ledger-Based Top-Ups
Add funds to your account with full tracking on a digital ledger so every transaction is recorded and clear.
Standalone Digital Bank Accounts
Provides clients with dedicated accounts in North America and globally. Supports large-ticket B2B transactions.
Fedwire & SWIFT Payments
Traditional banking rails for domestic and international transfers. Payouts processed within 15-30 minutes.
PXG Dashboard
Full client access to balances, transactions, and payments. Direct log-in available, or access via the XPZ PXG tab.
Compliance & KYC Framework
Standalone KYC/KYB verification for clients. Shared compliance across ThePayHub ecosystem.
Institutional Banking Access
Direct partnerships with regulated banks and financial institutions. PXG is not a bank, but leverages banking partners for settlement.
Instant Treasury Movement
Handles treasury movement for high-volume suppliers and distributors. Optimized for B2B payments from the USA to LATAM and beyond.
Liquidity Provider Access
Connects to multiple liquidity providers for large transactions. Ensures better pricing and faster execution.
2FA & Security Layer
Strong authentication for payouts and fund movements. Full compliance with audit-ready tracking.
The Problem
B2B Businesses Face Slow and unreliable cross-border payments. B2B companies—especially in emerging markets—struggle to receive international payments quickly and securely. Traditional banking is slow, expensive, and full of compliance friction, often delaying or blocking legitimate transactions.
The Solution
Companies need reliable treasury rails for large-value payments. PayXGlobal provides compliant, standalone digital bank accounts with same-day Fedwire and SWIFT settlements, ensuring predictable, secure access to funds across jurisdictions.
SmartLedger (Powered by Mazzera) - Beta
Hybrid Ledger Wallet
Combines blockchain ledger technology with traditional treasury movement. Provides a unified record of transactions across ecosystems.
Dual Balance System
Clients can view both incoming funds and their main balance, ensuring clear separation for reconciliation.
Internal Ledger Mapping
Maps transactions across XPZ, PXG, and affiliated partners. Ensures full visibility of fund flows from entry to payout.
Multi-Platform Dashboard Integration
Unified dashboard linking XPZ, PXG, and SmartLedger. Clients can track and manage all treasury movements in one place.
Compliance & Transparency Layer
End-to-end transaction tracking with detailed reporting. Built-in compliance features to support AML/KYC requirements.
API Connectivity
Provides APIs for balance checks, transaction data, and reporting. Easy integration into client back-office systems.
Liquidity & Settlement via Mazzera
Powered by Mazzera for liquidity and settlement execution. Ensures fast and reliable transaction processing.
Beta Testing Status
Currently in beta phase with select clients. Testing performance, security, and compliance before full rollout.
Tailored solutions for your business
Our company provides tailored solutions designed to meet the unique requirements of various types of businesses, ensuring that we address their specific needs effectively.
Small and Medium Businesses
Access enterprise-grade financial infrastructure without complexity. We offer SMBs the same capabilities that large corporations use, but with simplified implementation, affordable costs, and scalability to grow with your business.
Online Merchants
Expand your e-commerce globally with integrated checkout, multiple currency acceptance, and fast settlement. Our platform unifies tokenized checkout, flat processing, and fast settlement in a single integration.
Large Enterprises
Centralize your global financial operations, optimize treasury flows, and gain complete visibility over transactions. Our enterprise-grade solution provides complete visibility, granular control, and operational efficiency.
Token-Based Businesses
Develop, launch, and manage your own tokenized ecosystem with complete backend support. Our integrated solution eliminates external dependencies, providing total control over your operation.
ThePayHub Solutions VS Others
See how our ecosystem compares to fragmented alternatives
| Feature | Traditional Solution | |
|---|---|---|
Onboarding | Single process for the entire ecosystem | Multiple KYC/KYB processes for each service |
Technical Integration | One unified API | Multiple distinct APIs and interfaces |
Settlement Speed | 15-30 minutes | 2 - 5 business days |
Token Support | Native and fully integrated | Limited or via third parties |
Infrastructure Control | Proprietary end-to-end infrastructure | Dependency on multiple providers |
Transaction Visibility | Unified real-time view | Fragmented across platforms |
Onboarding
Single process for the entire ecosystem
Others
Multiple KYC/KYB processes for each service
Technical Integration
One unified API
Others
Multiple distinct APIs and interfaces
Settlement Speed
15-30 minutes
Others
2 - 5 business days
Token Support
Native and fully integrated
Others
Limited or via third parties
Infrastructure Control
Proprietary end-to-end infrastructure
Others
Dependency on multiple providers
Transaction Visibility
Unified real-time view
Others
Fragmented across platforms