Financial inclusion is more than just having a bank account. At XLink, we empower individuals and businesses with digital tools that transform lives. Our purpose is to drive economic growth and create lasting change by delivering accessible, secure payment solutions, within the access of anyone, anytime.

Bridging the Financial Gap in Africa: Solving Cross-Border Payment Challenges

In sub-Saharan Africa, over 45% of adults remain unbanked (World Bank, 2023), limiting access to essential financial services. Cross-border remittances are vital in bridging this gap, helping families cover expenses and supporting communities. Yet, high fees, remittances to bank accounts, and slow processes often limit access to these services, forcing many to rely on informal channels.

XLink Send is changing this landscape by offering a flexible, low-cost solution that directly addresses these challenges. Our platform simplifies cross-border payments by enabling settlements into bank accounts, mobile wallets, and cash pickup points, meeting users where they are.

• Low-Cost Transactions: Reduce fees, making remittances more affordable.

• Multi-Channel Access: Seamless payments via WhatsApp, mobile apps, and APIs.

• Regulatory Compliance: Built-in KYC options to enable onboarding to access new customer segments.

By leveraging digital channels and integrated regulatory compliance (covering Balance of Payments Reporting, AML and Sanctions screening), XLink Send empowers our clients to deliver accessible services, unlocking new opportunities in the remittance market.

Tailored for Your Business

XLink Send is a modular platform that fits seamlessly into your existing systems. Whether you’re a bank, telco, retailer, or governmental organisation, our solution adapts to your needs, enhancing your service offerings without added complexity.

Why XLink Send?

1. Customer-centric flexibility - White-labelled channels best suited to your market, including web, mobile, WhatsApp, or APIs.

2. Integrated Onboarding - Built-in KYC capabilities that can operate independently or integrate seamlessly into your existing onboarding workflows, enabling thorough customer verification and expanding access to new customer segments.

3. Cost-Efficiency & Scalability - Fast, low-cost transactions reduce your operational burden, helping you reach more customers.

A Game-Changer for Financial Institutions

Imagine expanding your services to better support businesses and individuals. High costs to serve and inefficient processes shouldn’t hold you back. XLink Send enables you to capture informal remittances and streamline B2B payments quickly.

Enabling remittances to mobile wallets via WhatsApp allows you to quickly begin realising value from the solution. As demand grows, you can scale to additional digital channels. XLink Send’s modular design allows you to expand your digital channels with minimal effort.

Ready to Transform Cross-Border Payments?

At XLink, our reach across Africa allows us to deliver impactful solutions. XLink Send is more than a product—it’s a partnership to drive financial inclusion and growth.

Contact us today at sales@xlink.co.za to explore how XLink Send can expand your market reach.

Let’s shape the future together.