Personal · teams · partners

A modern bank for crypto and fiat.

Buy USDC & USDT, hold multi-currency balances, earn yield, borrow, and cash out worldwide — for individuals, organizations, and managers.

Open an account Buy USDC / USDT

Sign in once — your account is ready instantlyContinue with Google and Xpan provisions your wallets and Xpan IBAN-ready accounts automatically. No paperwork, no waiting.

$19.45M

On deposit

11.99%

Crypto APY

9.99%

Fiat APY

Borrow APR

Xpan

USDC · USDT · USDSIGNATURE

4242   9018   ••••   4421

CARDHOLDER

JANE M. CHEN

VALID THRU

09/29

Available balance

$248,912.40

live · USDC + USD

11.99%

Crypto APY

9.99%

Fiat APY

Wire · DBS Singapore

settled in 47 sec

IBAN ready

GB · 4421 · ••• 9018

Major features

Everything money needs. One console.

Personal, teams, and partners — buy, hold, earn, borrow, spend, and cash out worldwide.

FeaturedLive

Withdraw crypto in 160+ countries.

Cash out USDT, USDC, and more into your local currency — bank rails worldwide, from one XPAN account.

INRAEDEURGBPUSDSGD+154

Explore withdrawals

USDT → local fiat

USD

United States · ACH / wire160+ countries

01Live

Buy crypto

USDC & USDT on Ethereum — card or bank.

USDC · USDTExplore

02Live

Accounts

Hold USD, EUR, AED + crypto wallets together.

Fiat + cryptoExplore

03Live

Staking & yield

11.99% crypto · 9.99% fiat APY preview.

11.99% APYExplore

04Live

Lending

Borrow fiat at 8% against crypto. EMI 3–24 months.

8% APRExplore

05Live

Buy assets

Cars · Bikes · Gold · Homes · Land — pay crypto, settle local fiat.

Real-worldExplore

06Live

Royalty rewards

Spend USDT/USDC → earn points → convert to XPAN.

PointsExplore

Built for teams & partners

For teams

Organizations

Shared balances, roles, and one plan for your finance team.

Open organizations

For partners

Manager console

Onboard clients, renew plans, and track commissions.

Open manager console

Your console

One place for everything.

Balances, buy crypto, transfers, and upcoming yield, lending, assets, and rewards — personal or team.

app.xpan.money / home

JJane · Individual

Create Organization

Home

Accounts

Buy CryptoBETA

Cards

Transactions

Payments

Beneficiaries

Investments

Staking & YieldSOON

LendingSOON

Buy AssetsSOON

More

RewardsSOON

Referrals

Manager Console

Welcome, Jane.

Your balances, accounts, and recent activity at a glance.

Total Balance (2 accounts)

$92.86

Last 30D↗ $1,840 in↘ $620 out

Accounts

Jane

Primary

USDT

$92.86

Secondary

USDT

$0.00

View all accounts ›

CardsSOON

Coming Soon

Available balance

12,400 USDT

Limit 25,000 USDT

Autopay scheduledManage

Recent TransactionsView all ›

USDC Deposit

Ethereum · Mar 15

+1,250.00 USDC

USDC Send

Ethereum · Mar 14

−420.00 USDC

₮

USDT deposit

Ethereum · Mar 14

+500.00 USDT

ETH withdraw

Ethereum · Mar 13

−0.85 ETH

₿

BTC deposit

Bitcoin · Mar 12

+0.12 BTC

₮

Send to beneficiary

Ethereum · Mar 11

−320.00 USDT

Money in

$1,840.00

Money out

$620.00

Manage accounts

Wallets, deposits & balances

All transactions

Crypto, fiat & account activity

Earn yield

Stake assets up to 11.99% APY

Explore

Pick a feature. See how it works.

Personal products, team organizations, and the partner manager console — select one to preview.

Featured · Live today

Crypto out. Local currency in.

Withdraw USDT, USDC, and more into your local bank currency across 160+ countries — cash out where you live, from one XPAN account.

160+ countries & local fiat rails
USDT · USDC → INR, AED, EUR, and more
Bank deposit to your home currency

Withdraw crypto

Withdraw preview160+ COUNTRIES

You send

2,500 USDT

From XPAN wallet

You receive

₹2.08L

INR · bank deposit

Coverage

160+

Countries · local currency payout

Built for how money actually moves.

Live metrics from the XPAN platform. Crypto and fiat in one place — for individuals and teams.

$19.45M

On deposit

11.99%

Crypto APY

9.99%

Fiat APY

Borrow APR

USDT→USD

USDT → fiat

Get started

Sign in once. Your account is ready.

Continue with Google and Xpan provisions your wallets and Xpan IBAN-ready accounts automatically. No paperwork, no waiting. Then buy crypto, earn, borrow, and cash out worldwide.

Open account Buy crypto

3 steps

Sign in
Continue with Google — accounts are created automatically
Land in console
Wallets and IBAN-ready rails provisioned instantly
Move money
Buy crypto, hold fiat, cash out worldwide

About Xpan

Building from Dubai to the world.

Global HQ in Dubai, with teams across London, New York, and Bengaluru — plus coming offices in Paris, Singapore, Seoul, and Melbourne.

In development

iOS & Android apps coming soon.

We're building native apps so you can manage wallets, IBAN-ready accounts, and transfers from your phone. Web console is live today — mobile ships next.

Soon

iOS

App Store

Native experience for iPhone — console, transfers, and balances on the go.

Soon

Android

Google Play

Full Xpan Money on Android — same account, wallets, and IBAN-ready rails.