A tokenized payment gateway uses internal ledger-based tokens to represent and settle payments instead of moving funds through traditional banking networks. In the xPayz system, payments settle using USXP and BRXP tokens on our internal ledger. These tokens represent USD and BRL value respectively and move between verified accounts within the xPayz ecosystem. This architecture provides enhanced traceability, permission-based controls, and real-time settlement visibility compared to traditional payment flows.

Yes, signing up for xPayz is completely free. There is no cost to create an account or access the platform. Commercial terms including transaction fees and service pricing are discussed directly with merchants based on transaction volume, jurisdiction requirements, and specific business needs. You can explore the platform, review features, and understand the product before any commercial commitment.

xPayz currently supports USXP (USD-based token) and BRXP (BRL-based token) for payment settlement. These are internal ledger entries within the xPayz platform, not cryptocurrencies or publicly traded assets. USXP represents USD value and BRXP represents BRL value for payment processing purposes. Token availability varies by jurisdiction and is subject to regulatory approval. Additional tokens may be introduced for other currencies and markets based on demand and compliance requirements.

xPayz is designed for merchants operating in regulated markets who need enhanced payment oversight and control. Access is subject to jurisdiction-specific requirements including identity verification, business validation, and compliance approval. Both individual merchants and businesses can apply, though availability varies by location. Certain industries and business types are restricted based on regulatory requirements and risk assessment. Account approval depends on completing verification requirements and meeting jurisdiction-specific criteria.

Payments on the xPayz ledger settle in real time. When a customer completes checkout, tokens move immediately from their account to the merchant account with instant balance updates for both parties. This is faster than traditional payment systems where settlement can take days due to banking intermediaries and batch processing. However, the ability to convert token balances to external currency may have different timing based on jurisdiction requirements and withdrawal processing procedures.