XDC Network has expanded its ecosystem with the launch of XDC.Cash, a next-generation crypto payment solution powered by Encryptus. This new platform enables XDC token holders to easily convert their crypto into local fiat currencies and alternative payment methods (APMs) in over 100 countries, making real-world use of digital assets more accessible and practical than ever.
Effortless Global Off-Ramping for XDC Holders
With Encryptus’ extensive global and regional payment rails, users on XDC.Cash now have access to over 70 fiat currencies, including EUR, VND, PHP, NGN, and BRL. Multiple payout methods are available, including bank transfers, gift cards, e-wallets, and mobile top-ups—offering flexibility depending on the user's region and available banking infrastructure.
This solution delivers highly competitive, near-interbank exchange rates—particularly beneficial in frontier and emerging markets where financial services are limited or expensive.
Enhanced by XDC2.0 and ISO 20022 Standards
With the deployment of XDC2.0, the network now achieves 3-block finality with transactions completing in just 3–4 seconds. This upgrade significantly improves transaction speed and reliability, making XDC ideal for fintech applications and global payment systems.
The XDC Network’s ISO 20022 compliance enables compatibility with global financial messaging standards. This positions XDC for seamless interoperability with traditional financial institutions, allowing banks and enterprises to integrate blockchain infrastructure without overhauling their existing systems.
Future Expansion: Wallets, DeFi, and On-Ramp Capabilities
Looking ahead, XDC.Cash and Encryptus plan to embed off-ramping capabilities directly into popular crypto wallets, DeFi platforms, and decentralized applications (DApps). Developers and platform operators can integrate these features through Encryptus’ plug-and-play widgets or API-based solutions, offering a seamless fiat off-ramp experience to their users.
Encryptus is also working on launching a global crypto on-ramp for 22 countries across Asia, Africa, and Latin America. This will allow users to purchase XDC, USDA, BTC, ADA, and more via local bank transfers and digital wallets—bypassing the need for debit or credit cards.
USDA Stablecoin and XDC Collaboration
USDA, a fully dollar-backed stablecoin native to the Cardano blockchain, is being explored for integration with XDC Network. The goal is to leverage XDC’s blockchain infrastructure and partnership ecosystem to enable USDA’s seamless adoption across financial services and decentralized platforms.