Product Development

As of Q3 2025, XPayFi has completed alpha testing and is currently in closed beta with over 12,000 registered wallet users across 18 countries. The platform supports limited functionality for TVM staking, digital identity registration, and basic payments. User feedback loops are integrated directly into the development sprint cycles via our internal bug bounty and UX optimization system. Planned customer acquisition channels include affiliate marketing, partnerships with e-commerce platforms in Asia and LATAM, and KOL-driven education campaigns, targeting both Web3-native users and underserved SMBs.

Product Overview

The deep integration of Web3 payment and finance is experiencing transformative breakthroughs through XPayFi's dual-engine system: the Liquid Minting Pool and the XFI Pledge Mechanism. The Liquid Minting Pool serves as the platform’s foundational infrastructure, enabling dynamic issuance and destruction of XFI tokens through smart contracts. USDT and XFI are fully injected into the platform’s ecosystem fund, enabling a new programmable PayFi layer. With this infrastructure, the PayFi smart contract system automates the entire settlement cycle, making "payment equals settlement" a reality. Cross-border payments can now be completed simultaneously with foreign exchange hedging and liquidity provisioning.

Meanwhile, the XFI Pledge System transforms user collateral into on-chain credit credentials. This data is used to construct a dynamic, behavior-based credit system that enables personalized DeFi access directly at the point of spending. Together, these two modules advance digital assets from speculative holdings to a powerful financial instrument that seamlessly integrates payments, credit issuance, liquidity generation, and asset yield — ushering in a new era of programmable finance where “payment is finance.”