In the Web3 era, integrating modern financial technology is no longer a trend but has become a vital necessity for businesses. Especially for innovative enterprises and SMEs, effective financial management, transparency, and optimizing cash flow are key factors for sustainable development. xBank was created as a new generation financial operating system, accompanying businesses on their 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 – Banking As A Service solutions in Vietnam. HVA has built xBank as a financial Operating System – seamlessly connecting traditional assets (fiat) and digital assets (crypto), comprehensively meeting the financial management needs of businesses in the digital age.
xBank is not just a digital bank, but a comprehensive financial platform that connects traditional assets (fiat) and digital assets (crypto) within a seamless ecosystem.
Why do businesses need xBank for innovation?
- Strong digital transformation: xBank integrates blockchain and Web3 technology to digitize the comprehensive financial process.
- Optimizing financial management: Businesses can automate their cash flow and monitor the budget in detail for each department.
- Integration of digital assets: Managing both fiat money and digital assets on the same platform - something traditional banks have not fulfilled.
Outstanding Features of xBank
1. Open a business account quickly
- No minimum balance required.
- Simple procedures, comprehensive online registration support.
2. Issuing a diverse corporate card
- Provides physical and virtual cards, easily integrated into the internal spending system.
- Managing limits and transaction history transparently.
3. Budget management according to decentralization
- Assign permissions by department, project, or user group.
- Easy to control and approve spending according to levels.
4. Fast international payment – low cost
- Competitive exchange rates compared to traditional banks.
- Process multinational transactions quickly.
5. Multi-currency account + Web3 wallet
- Supports many types of traditional currencies.
- Combine Web3 wallet to store and trade crypto (ETH, USDT, BNB…).
6. Automating payments with Blockchain
- Smart contract applications help ensure safe, transparent transactions without the need for intermediaries.
- Manage payment schedules, distribute profits, and pay salaries automatically.
7. Flexible borrowing with digital assets
- Allow crypto collateralization to access short-term capital.
- The approval process is fast and does not require traditional tangible assets.
8. Raise smart capital with NFT & Launchpad
- SMEs can raise capital through their own Launchpad platform, facilitating faster access to investors.
- Tokenizing assets - a new model that enhances liquidity and transparency in investment.
Vision of xBank: Not Just a Digital Bank
xBank redefines the concept of 'banking' in the Web3 era. Not only providing financial services, xBank creates a financial platform:
- Safety: Thanks to blockchain technology and advanced security systems.
- Transparency: Each transaction can be traced and verified.
- Flexibility: Meeting the specific needs of innovative businesses.
xBank aims to become the 'Financial Operating System' for businesses – where all needs from budget management, payments, to fundraising are integrated on a single platform.
Conclusion: The Future Financial Journey Begins with xBank
As a startup, SME or innovative enterprise, it is time to reassess your financial management approach. xBank will be a powerful lever to help your business not only digitally transform but also globalize systematically, quickly, and effectively.
In an era where digital transformation and Web3 are reshaping the landscape of the economy, choosing the right financial platform is the important first step for businesses to break through. HVA Group, with the mission of promoting innovation, not only develops xBank but also creates a comprehensive ecosystem that supports businesses – from finance and technology to investment connection and human resource training.
