Technological innovation and differentiation

The core breakthrough of XPayFi lies in the four-layer convergence architecture:

The payment layer adopts a multi-chain stablecoin settlement network, supports 0.3-second cross-border transfers and ultra-low fees of 0.1%, and integrates DID digital identity to achieve a compliant and anonymous payment experience. The credit layer pioneered the "payment data oracle", which converts 300+ dimensional data such as users' transaction frequency, merchant type, and cash flow law into on-chain credit NFTs, and dynamically adjusts the lending interest rate and limit.

The asset layer supports the fragmented issuance and hybrid collateral of RWA assets such as real estate, commodities, and intellectual property (such as the "Bitcoin + commercial paper" combination) through the ERC-3643 compliant token standard.

The application layer provides visual financial programming tools, and developers can combine smart contract modules like building Lego to quickly build complex financial products such as insurance and derivatives.