Business value and social impact

McKinsey estimates that XPayFi's solutions help:

Individual users reduce the cost of consumer credit by 60% and can get a minimum of 5% APY without collateral; SMEs save 85% of cross-border payment fees and increase capital turnover by 3 times through inventory tokenization financing;

Financial institutions have shortened the efficiency of credit approval from 7 days to 7 minutes, and the non-performing rate has been reduced by 40%.

In the next three years, we plan to promote the on-chain of 1 trillion US dollars of physical assets, covering key areas such as healthcare, education, and green energy in 50+ countries, and finally realize the "democratization of financial services" - so that any connected device can become the entrance to the bank.