What Xcentra does

Xcentra is a Dubai-headquartered fintech operating a borderless digital finance platform that bridges stablecoins (USDC, USDT, DAI) with real-world spending. Its core product is a Visa-branded debit card (virtual and physical) that converts stablecoin balances to local fiat currency in real-time at the point of sale, applying a flat 0.5% conversion fee and enabling acceptance at 150M+ merchants across 200+ countries. The platform is built on a proprietary blockchain called Xhavic, which the company describes as handling transparent settlement, immutable transaction records, and integrated security for card operations. Supporting features include multi-chain wallet deposits from Ethereum, Polygon, and Solana, biometric and 2FA authentication, AI-driven transaction monitoring, sanctions/KYC/AML screening, and integrations with Apple Pay and Google Pay.

The business operates a primarily direct-to-consumer model targeting freelancers, digital nomads, crypto-native businesses, remote-first SMEs, and individuals in high-inflation markets, with a secondary B2B white-label offering for fintechs and platforms seeking to launch branded stablecoin cards. Revenue is generated mainly through a 0.5% conversion spread on each card transaction, supplemented by Visa interchange fees; a $10 one-time physical card issuance fee; and planned future streams from bank-payout fees (Q2 2026), USD IBAN subscriptions (Q4 2026), merchant network fees (2027+), and embedded checkout credit. Marketing is community-led and content-driven across crypto and freelance media, and the company has established regional landing pages for MENA, Europe/UK, LATAM, and Asia Pacific.

The company was founded in 2025 and its Global Spending Cards product went live in Q4 2025; subsequent phases — Global Payouts, Global USD Accounts, and a proprietary Merchant Ecosystem — are scheduled through 2027. The platform currently employs 51–100 staff. No founder names, ownership structure, funding history, or audited financial figures are disclosed in the available source material, representing a significant data gap for any investor diligence.

Name

Xcentra

Legal name

Xcentra

Website

https://xcentra.io

Company type

Private

Founded year

2025

Operating status

Operating

Headcount range

51–100 employees

Short description

Xcentra is a Dubai-based fintech issuing Visa debit cards that convert stablecoins (USDC, USDT, DAI) to local fiat at point of sale for a 0.5% fee, serving freelancers, digital nomads, crypto-native businesses, and remote-first SMEs across 100+ countries.

Ownership category

akta.pro rank

Product category

Stablecoin Payment Platform

NAICS

Credit Card Issuing (522210), Credit Card Issuing (52221), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Finance Services (6199), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)

akta.pro primary industry

Crypto Card Issuing & Card Programs (Debit/Credit/Prepaid) (FSADAIAC)

akta.pro secondary industries

Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL), Card Issuing & Virtual Cards (lodge cards, single-use, tokenization) (THALAHAB), Invoice, Billing & Subscription Payments (Crypto) (FSADAIAG), Virtual Prepaid & Single-Use / Tokenized Cards (FSAMANAJ), Virtual Card Issuance & Tokenized Corporate Cards (THACAJAA)

Keywords

• Stablecoin debit cards
• Crypto payment platform
• Crypto-to-fiat conversion
• Cross-border payments
• White-label card issuance

Headquarters

HQ city

Dubai

HQ country

United Arab Emirates

HQ region

Middle East

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Card Interchange: Revenue generated from card network interchange fees when users spend their Xcentra cards globally at 150M+ merchants. The company receives a percentage of each merchant transaction processed through the Visa network.
2. FX Margin on Conversions: Transparent spreads applied during stablecoin-to-fiat currency conversion at point of sale. The 0.5% conversion fee represents the primary revenue stream from the core product.
3. Payout Fees (Phase 1): Fees associated with international bank transfers when users send stablecoins to traditional bank accounts in 100+ countries. Planned to launch in Q2 2026.
4. IBAN Subscription Fees (Future): Premium USD account services with subscription-based features for advanced users and businesses receiving international payments, salary deposits, and B2B transfers.
5. Merchant Network Fees (Phase 3): Reduced but sustainable transaction fees charged to merchants within the proprietary closed-loop PoS ecosystem. Planned for 2027+ rollout.
6. Embedded Checkout Credit (Future): Interest revenue from integrated checkout credit facilities for trusted, repeat customers within the merchant ecosystem. Risk-managed liquidity structure.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels5 records

Core offering

Xcentra provides virtual and physical Visa debit cards that enable users to spend stablecoins (USDC, USDT, DAI) at 150M+ merchants worldwide, converting crypto to local fiat currency in real-time at the point of sale for a flat 0.5% conversion fee. The platform also offers a B2B white-label card issuance solution powered by its proprietary Xhavic blockchain, allowing fintech partners to launch their own branded stablecoin debit card programs with full compliance and settlement infrastructure.

Product overview

Xcentra is a unified borderless digital finance platform that transforms stablecoins into everyday spending power. The core offering is the Global Cards product—virtual and physical Visa debit cards that convert USDC, USDT, and DAI to local currency at point of sale with 0.5% conversion fees at 150M+ merchants. The platform is expanding through phased modules: Global Payouts (stablecoin-to-bank transfers in 100+ countries), Global USD Accounts (USD IBAN facilities), and Merchant Ecosystem (proprietary PoS network). B2B White Label Solutions enable partners to launch branded cards via API. The entire ecosystem is built on the Xhavic blockchain with enterprise-grade security.

Differentiator

Problem solved

Functional benefit

Brands

• Xhavic: The underlying blockchain technology powering Xcentra's stablecoin debit cards and financial infrastructure. Provides transparent settlement, immutable transaction records, and enterprise-grade security for the card program.
• Xcentra PoS

Products and services

• Xcentra Global Cards (Virtual and Physical Debit Cards) Virtual and physical Visa debit cards that enable individuals to spend stablecoins (USDC, USDT, DAI) at 150M+ merchants worldwide. Converts stablecoins to local currency in real-time at point of sale with a flat 0.5% conversion fee. Virtual card issued instantly in 30 seconds; physical card with NFC contactless tap-to-pay available for $10 one-time issuance fee. Compatible with Apple Pay and Google Pay.
• B2B White Label Card Issuance Platform White-label card-as-a-service platform that lets fintech businesses, crypto exchanges, and financial service providers launch their own branded virtual and physical stablecoin debit cards. Partners retain their brand identity (logo, colors) while Xcentra handles compliance, card issuance, infrastructure, and settlement. Includes RESTful APIs for card issuance, balance management, and transaction monitoring.

Quantifiable outcome

• 0.5% flat conversion fee vs. 2-3% foreign transaction fees charged by traditional banks
• +4 more outcomes

Named customers8 records

Segments6 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

AI capability2 records

Feature5 records

Partnerships

Six partnerships are on record, tiered core.

• VisacoreTechnology or IntegrationXcentra cards operate on the Visa network, enabling global merchant acceptance at 150M+ locations in 200+ countries. The Visa card network provides the foundational payment rails for all Xcentra card transactions.
• Xhavic BlockchaincoreTechnology or IntegrationXcentra is built on the Xhavic blockchain infrastructure, providing transparent settlement, immutable transaction records, and enterprise-grade security for all stablecoin transactions and card operations.
• Regulated Card-Issuing PartnerscoreTechnology or IntegrationXcentra partners with regulated financial institutions for compliant global debit card issuance. The Xcentra Visa card is issued by a regulated financial institution pursuant to a license from Visa.
• Banking and Liquidity PartnerscoreTechnology or IntegrationRegulated financial institutions, liquidity providers, and FX routing partners ensuring stable settlement across global banking systems for the stablecoin-to-fiat conversion and payout infrastructure.
• USDC (Circle)coreTechnology or IntegrationUSDC, issued by Circle, is one of the primary stablecoins supported by Xcentra. USD-pegged stablecoin providing stability relative to local currency volatility for user balances.
• USDT (Tether)coreTechnology or IntegrationUSDT, issued by Tether, is the second primary stablecoin supported by Xcentra. Provides users with alternative USD-pegged digital asset option for spending.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• BitPay: BitPay operates a crypto payments network and prepaid debit card enabling users to spend crypto at merchants. It is a comparable early-mover in crypto-to-fiat card spending.
• Uphold: Uphold provides a multi-asset card that spends any supported asset, including stablecoins, at point of sale with conversion, directly comparable to Xcentra's multi-currency, real-time conversion model.
• Crypto.com: Crypto.com offers a Visa debit card that lets users spend BTC, ETH, and stablecoins at global merchants with rewards. It is a larger, better-capitalized direct competitor in the same crypto-card category.
• Bybit: Bybit Card is a crypto debit card issued to exchange users for spending digital assets at Visa merchants, directly overlapping Xcentra's user persona of crypto holders seeking everyday spending utility.
• Nexo: Nexo issues a crypto-backed debit card with cashback and on-the-fly crypto-to-fiat conversion, competing for the same freelancer, digital nomad, and crypto-holder use cases.
• Wirex: Wirex issues multi-currency crypto and fiat debit cards with built-in conversion and stablecoin support, serving a very similar digital nomad and crypto-native user base globally. It is the closest direct analog to Xcentra's core product positioning.
• Binance: Binance Card converts crypto balances to fiat at point of sale for global Visa acceptance, serving the same crypto-native audience with a comparable conversion-driven value proposition.

Emerging players

• Gnosis Pay: Gnosis Pay offers a self-custodial Visa debit card settled onchain in stablecoins, targeting a crypto-purist subset of Xcentra's digital nomad and freelancer audience, primarily in the EU.

Broad incumbents

• Wise: Wise operates a multi-currency account and debit card with transparent FX for cross-border spending and payouts, representing the incumbent experience Xcentra aims to disrupt in freelancers and remote workers.
• Marqeta: Marqeta is a modern card-issuing platform used by fintechs to launch branded debit and credit card programs, making it both a potential infrastructure partner and an indirect competitor for Xcentra's white-label offering.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/Xcentrafintech
• Facebookfacebook.com/profile.php

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Xcentra