Payments beyond limits.
Escrowed funds are held by regulated custody partners — never by XtraPush Pay.
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Everything in one account
Built for people who send money across borders.
Banks are slow and expensive. Bureaux hide their margin in the rate. XtraPush Pay gives you the account, the rate and the control — all in one place.
Your own account details
A USD & GBP account made just for you
Get real bank details in your own name the moment you're verified. Receive a salary, a client payment or money from family — it lands as USDC in your own crypto wallet, ready to spend, exchange or cash out.
- Dedicated USD & GBP account numbers
- Your own crypto wallet, no setup needed
- No monthly fee, no minimum balance
P2P on your terms
Exchange at the rate you agree — not the bank's
Browse live offers from ID-verified members, or post your own rate and let people come to you. Every USD/USDC leg is escrow-protected, so nobody can take your money and disappear.
- Set your own rate and limits
- Escrow holds funds until both sides confirm
- Trust scores built from real completed trades
Cross-border payments
Pay across borders in minutes, not days
Reach Airtel Money, TNM Mpamba or any major Malawian bank directly. Send from the UK or US and have it arrive in Kwacha — with the exact rate and fee shown before you confirm anything.
- Airtel Money & TNM Mpamba supported
- National, FDH, Standard, NBS, First Capital
- See the rate and fee up front — always
Smart trading, built in
Meet XP Bot.
XP Bot reads live crypto markets — trend, momentum, volatility — and explains what it sees in plain language: what's happening, why, and what to watch. Set your own stop-loss and take-profit and XP Bot watches the market for you, selling automatically the moment either is hit — you set both numbers, it never decides on its own. Available where XtraPush holds the licensing to offer it.
Why USDC
One currency that never loses its value overnight.
Your balance is held in USDC— a fully-backed digital dollar. It doesn't swing like crypto and it doesn't erode like a weakening local currency. Hold it as long as you like, then exchange or cash out whenever the rate suits you.
Send to anyone with their @xp- ID. No account numbers, no sort codes, no mistakes.
Member-to-member transfers settle in the same second, and we charge nothing for them.
You see the recipient's verified name and photo before anything leaves your balance.
Spend your balance anywhere.
Create a virtual card in seconds and add it to Apple Pay or Google Pay — spending straight from your USDC balance. No conversion dance, no declined-abroad surprises.
- Create a virtual card in seconds
- Works online and in-store worldwide
- Spends directly from your wallet balance
- Freeze, unfreeze or replace it any time
Why XtraPush Pay
Rates change. Trust lasts.
Verification first
Every member completes identity verification before they can trade. You always know exactly who's on the other side.
Reputation that's earned
Trust scores come from completed exchanges, reviews, response rate and account age. It can't be bought — only earned.
Escrow by default
The stablecoin side of every trade is locked in escrow until both people confirm. Nobody can run off with your funds.
Know exactly who you're dealing with
You see each member's star rating and how many people have reviewed them — plus a transparent 0–100 score behind it. Reviews from real completed trades carry the most weight, because what other people experienced tells you more than anything we could claim.
See how it's calculatedGetting started
From sign-up to sending, in four steps.
Open your account
Sign up free in minutes and verify your ID to unlock your wallet and account details.
Add money your way
Top up by bank transfer, card or crypto — it lands as USDC in your own secure wallet.
Find your rate
Browse verified members offering the currency you need, or post your own offer and set the terms.
Exchange & cash out
Trade with escrow protection, then send to a bank, a mobile wallet, or straight to another member.
Ways to send & receive
Every rail your family actually uses.
Your own account details for receiving, plus instant wallet-to-wallet transfers between members. Settles in seconds, held by regulated custody partners.
Reach mobile wallets and every major Malawian bank. The recipient gets Kwacha — you see the exact rate and fee before you confirm.
Your wallet is free. Your rate is yours.
Create your wallet in minutes, get your own USD and GBP details, and start exchanging with verified people you can actually trust.