XPayFi Overview & Value Proposition

XPayFi’s modular technical framework is composed of:

• Core Protocol Layer – smart contracts for payments (Solidity-based, EVM-compatible), deployed on BSC with testnet integrations live on Ethereum and Polygon

• Credit Engine Layer – NFT-based credit scoring system (X-Score) powered by an oracle that aggregates behavioral metrics from 300+ on-chain and off-chain vectors

• RWA Layer – ERC-3643-compliant tokenization engine with IPFS and oracles (Chainlink, RedStone) to validate asset input

• Application Layer – Frontend DApp (Next.js) interfacing with smart contracts via ethers.js; connected to the Flux Engine and TVM protocol

• Compliance Adapter – regulatory sandbox engine with pre-configured templates for MiCA, SEC Reg D, MAS sandbox APIs.


GitHub repository will be made public soon once internal beta is finished.


Audit: Smart contracts for TVM, staking, and payment gateway audited by two top-tier auditing companies (reports available Q4 2025).

● Web3 payment + finance XPayFi innovatively integrates Web3 payment and financial services to build an intelligent ecosystem of "payment as finance". Through the underlying technology of the blockchain, the system realizes the real-time financialization of payment data - each transaction of the user automatically accumulates credit value, which can be instantly converted into a loan line or investment ability. Its core breakthrough lies in the fact that the three financial functions of fund collection, credit evaluation and asset allocation are completed at the same time as payment and settlement, and merchants can automatically obtain working capital loans when receiving payments, consumers can complete digital currency wealth management at the same time when making payments, and cross-border payment by enterprises is directly connected to foreign exchange hedging tools. This "transaction-credit-asset" trinity design enables the traditional financial process that requires multi-agency collaboration to be completed in a few days in a single payment action in real time, and the test data shows that the capital turnover efficiency of merchants is increased by 8 times, and the financial operation steps of individual users are reduced by 75%, which is reshaping the financial infrastructure of industries such as e-commerce, cross-border trade, and digital content.

● Smart consumer finance engine The X-Score model based on payment behavior data revolutionizes the traditional credit evaluation system and supports the hybrid mortgage combination of NFT assets and real assets. With Account Abstraction (AA) wallet technology, users can enjoy a no-perceptible borrowing experience, with APRs reduced to 8-15% APR and mortgaged LTV up to 80%. Typical applications include rider electric vehicle leasing (automatic valuation of IoT devices) and education installments linked to school completion, which not only verify the practicality of the system, but also naturally convert payment users into consumers of financial products, injecting continuous vitality into the entire ecosystem.

● RWA with trading platform XPayFi's RWA (Real World Assets) and Exchange Ecosystem has built a revolutionary asset digital financial platform, which securely puts traditional assets such as real estate, commodities, and bonds on the chain through intelligent compliance protocols, and innovatively uses the "four-dimensional liquidity engine" to integrate institutional dark pools, retail AMMs, and cross-exchange aggregate transactions. The platform is equipped with a dynamic risk monitoring system, which supports innovative scenarios such as minute-level share trading of commercial real estate in New York and on-chain hedging of crude oil futures, achieving a breakthrough experience of increasing liquidity by 300% and reducing settlement costs by 80% compared with the traditional market, and at the same time meeting global compliance requirements through embedded regulatory adaptation modules, providing institutional and retail investors with a seamless next-generation asset trading infrastructure, and finally opening up the value channel between traditional assets and the DeFi market with a scale of 200 trillion US dollars.

● Programmable financial protocols XPayFi has developed a proprietary financial smart contract language (X-Lang) and a visual strategy builder to compress the development cycle of complex financial products from 3 months to 3 days. The system's built-in real-time risk engine can dynamically monitor the health of collateral and simulate the stress test of black swan events, reducing the volatility loss of dynamic hedging strategies by more than 30%. From auto-rollover FX contracts to CPI-linked payroll schemes, these innovative products not only serve native DeFi users, but also become a standardized interface for traditional financial institutions to quickly launch on the chain.

● Web3 payment expansion ecosystem XPayFi's Web3 payment expansion ecosystem can deeply empower GameFi, AI, Metaverse, SocialFi, DePIN, NFT and other cutting-edge fields, and provide customized solutions for different scenarios through modular payment protocols: realize micro-payment of props and cross-game asset circulation in GameFi, build a real-time settlement network for computing power leasing in the AI ecosystem, and create an intelligent payment layer for land auction and advertising sharing for the Metaverse. Build an automatic account sharing system for content reward and knowledge payment on SocialFi, and support the pay-as-you-go payment mechanism for DePIN devices and the automatic on-chain distribution of NFT royalties, and finally form a value exchange infrastructure.

● Competitive Landscape and Differentiation Compared to competitors such as Centrifuge (RWA tokenization), Goldfinch (credit protocols), and Alchemy Pay (Web3 payments), XPayFi differentiates itself through full-stack integration. While others focus on one vertical, XPayFi’s architecture connects payments, credit evaluation, RWA, and programmable finance into one seamless infrastructure. No existing platform currently merges real-time payment data into NFT-based credit scoring with embedded lending logic and auto-yield routing. The platform’s four-layer convergence model and X-Score protocol make it a unique infrastructure layer, especially for emerging market users where credit data is limited and alternative scoring is critical.

● User experience - based on Binance Smart Chain (BSC) full-scenario financial experience XPayFi builds a high-performance, low-cost Web3 financial ecosystem based on Binance Smart Chain (BSC), making full use of BSC's high throughput (3000+TPS) and low gas fees to achieve seamless payment and settlement and real-time financial services in seconds. The platform deeply integrates BSC's EVM compatibility, supports developers to quickly deploy smart contracts, and realizes multi-chain asset interoperability through BSC-ETH cross-chain bridging, providing global users with a transaction experience with a transaction fee of less than $0.1. The core payment gateway, RWA marketplace, and DeFi protocol matrix will be deployed on BSC, and the platform will be equipped with a real-time dynamic dashboard (accessed via the web or D APP) that will showcase the key metrics of the XFI token smart contract: real-time trading volume, number of holders, market capitalization, and total number of burned tokens. This transparency is essential for user trust and participation, allowing everyone to "see for themselves" the XPayFi economy in action, which not only retains the security and transparency of decentralized finance, but also achieves a user experience comparable to traditional payments, becoming the largest compliant financial infrastructure in the BSC ecosystem.