Product Roadmap
From Cards to Complete Financial Ecosystem
Our journey to build the world's most accessible stablecoin financial infrastructure — phase by phase.
Live TodayPhase 0
Global Spending
Virtual and physical debit cards that let you spend stablecoins at 150M+ merchants worldwide with real-time conversion.
Virtual & physical stablecoin debit cards
Global merchant acceptance
Real-time crypto-to-fiat conversion
Daily use for coffee, groceries, travel, subscriptions
Coming SoonPhase 1
Global Payouts
Send stablecoins to bank accounts in 100+ countries. Move capital from your stablecoin balance directly to traditional bank accounts in local currencies.
Stablecoin-to-bank transfers in 100+ countries
Local currency settlement (EUR, GBP, IDR, BRL, etc.)
Faster than international wire transfers
No legacy banking markups
Coming SoonPhase 2
Global USD Accounts
Get a USD-denominated account number (USD IBAN facility). Receive salary deposits, client payments, or B2B transfers directly into Xcentra.
USD IBAN facility for receiving payments
Direct deposit for salaries & invoices
Built for freelancers, agencies, and contractors
Solves banking access limits for global citizens
FuturePhase 3
Direct Merchant Ecosystem
Xcentra PoS — pay merchants directly with ultra-low fees and better rewards. A proprietary closed-loop payment network.
Proprietary point-of-sale network
Ultra-low fees for vendors
Higher rewards for shoppers
Integrated checkout credit for trusted users
Be Part of the Journey
Get early access to new features and help shape the future of borderless finance.