In the Web3 era, integrating modern financial technology is no longer a trend but has become a vital need for businesses. Especially for innovative businesses and SMEs, effective, transparent financial management and optimal cash flow are key factors for sustainable development. xBank was born as a new generation financial operating system, accompanying businesses on the journey of digital transformation and global expansion.
Developed By HVA Group
HVA Group is a pioneer in the field of research and development of BAAS solutions - Banking As A Service in Vietnam. HVA builds xBank as a financial Operating System - seamlessly connecting traditional assets (fiat) and digital assets (crypto), fully meeting the financial management needs of businesses in the digital age.
xBank is not simply a digital bank, but a comprehensive financial platform, connecting traditional assets (fiat) and digital assets (crypto) on the same seamless ecosystem.
Why Do Innovative Businesses Need xBank?
- Powerful digital transformation: xBank integrates blockchain and Web3 technology to digitize the entire financial process.
- Optimize financial management: Businesses can automate cash flow, track detailed budgets down to each department.
- Digital Asset Integration: Manage both fiat and digital assets on the same platform – something traditional banks cannot provide.
Outstanding Features of xBank
1. Open a business account quickly
- No minimum balance required.
- Simple procedure, comprehensive online registration support.
2. Issue diverse corporate cards
- Provide physical card and virtual card, easily integrated into internal spending systems.
- Transparent limit management and transaction history.
3. Budget management by decentralization
- Decentralize permissions by department, project or user group.
- Easily control and approve spending by hierarchy.
4. Fast international payments – low costs
- Competitive rates compared to traditional banks.
- Process multinational transactions in fast time.
5. Multi-currency account + Web3 wallet
- Supports multiple traditional currencies.
- Combine Web3 wallet to store and trade crypto (ETH, USDT, BNB…).
6. Automate payments with Blockchain
- Smart Contract Applications (smart contract) helps transactions to be safe, transparent, without intermediaries.
- Manage payment schedules, profit distributions, and payroll automatically.
7. Flexible borrowing with digital assets
- Allows crypto collateralization to access short-term funding.
- Fast approval process, no traditional physical assets required.
8. Smart fundraising with NFT & Launchpad
- SMEs can raise capital through their own Launchpad platform, helping them reach investors faster.
- NFT asset tokenization – a new model to increase liquidity and transparency in investment.
xBank Vision: More Than Just a Digital Bank
xBank redefines the concept of “banking” in the Web3 era. Not only providing financial services, xBank creates a financial platform:
- Safe: Thanks to blockchain technology and advanced security systems.
- Transparent: Every transaction is traceable and verifiable.
- Flexible: Meet the specific needs of innovative businesses.
xBank aims to become a “Financial Operating System” for businesses – a place that integrates all needs from budget management, payment, to capital calling, on a single platform.
Conclusion: The Future of Finance Journey Starts with xBank
As a startup, SME or innovative enterprise, it is time to rethink your financial management. xBank will be a powerful lever to help your business not only transform digitally but also globalize systematically, quickly and effectively.
In an era where digital transformation and Web3 are reshaping the economic landscape, choosing the right financial platform is an important first step for businesses to make a breakthrough. HVA Group, with the mission of promoting innovation, not only developing xBank but also creating a comprehensive business support ecosystem - from finance, technology, to investment connection and human resource training.
