Keep money flowing

So that digital businesses can focus on what matters most - growing their revenue

We make money management easy.
That’s what you get with us

Adaptive payment solutions, built for your needs

Fast, secure, and scalable payment processing, tailored to your business needs. Accept and send payments effortlessly across markets

Smart banking services, designed for your rhythm

Modern financial infrastructure with multi-currency accounts, instant transfers, and seamless banking integrations

The xpate way to make it happen

Customers come first, always
Designed for simplicity and easy onboarding, our platform works for you. No matter how complex your business is, we turn your vision into reality
Simple, secure, scalable. All-in-one
We turn money management from complex to easy. Focus on growing your business with a simple, secure, and scalable solution—let us handle the rest
Fast speed, full access, anytime
Pay, get paid, and access funds—all in one place, ready when you are. Powered by innovative tools, strong partnerships, and robust financial infrastructure
Customers come first, always
Designed for simplicity and easy onboarding, our platform works for you. No matter how complex your business is, we turn your vision into reality
Simple, secure, scalable. All-in-one
We turn money management from complex to easy. Focus on growing your business with a simple, secure, and scalable solution—let us handle the rest
Fast speed, full access, anytime
Pay, get paid, and access funds—all in one place, ready when you are. Powered by innovative tools, strong partnerships, and robust financial infrastructure
Customers come first, always
Designed for simplicity and easy onboarding, our platform works for you. No matter how complex your business is, we turn your vision into reality
Simple, secure, scalable. All-in-one
We turn money management from complex to easy. Focus on growing your business with a simple, secure, and scalable solution—let us handle the rest
Fast speed, full access, anytime
Pay, get paid, and access funds—all in one place, ready when you are. Powered by innovative tools, strong partnerships, and robust financial infrastructure
Customers come first, always
Designed for simplicity and easy onboarding, our platform works for you. No matter how complex your business is, we turn your vision into reality
Simple, secure, scalable. All-in-one
We turn money management from complex to easy. Focus on growing your business with a simple, secure, and scalable solution—let us handle the rest
Fast speed, full access, anytime
Pay, get paid, and access funds—all in one place, ready when you are. Powered by innovative tools, strong partnerships, and robust financial infrastructure

Customers come first, always

Designed for simplicity and easy onboarding, our platform works for you. No matter how complex your business is, we turn your vision into reality

Simple, secure, scalable. All-in-one

We turn money management from complex to easy. Focus on growing your business with a simple, secure, and scalable solution—let us handle the rest

Fast speed, full access, anytime

Pay, get paid, and access funds—all in one place, ready when you are. Powered by innovative tools, strong partnerships, and robust financial infrastructure

Licensed and compliant

SIA xpate holds an electronic money institution operating licence by the Bank of Latvia (Licence number 27-55/2023/7)

xpate Ltd is authorised by
the Financial Conduct Authority (Reference number: 901021)

Asia-Pacific

Novum Financial Technologies Pte Ltd is regulated as a Major Payment Institution (licence no. PS20200538) by the Monetary Authority of Singapore (MAS) to conduct Account Issuance Service, Domestic Money Transfer Service, Merchant Acquisition Service, Cross-border Money Transfer Service, and E-money Issuance Service