The platform

One system, top to bottom.

A double-entry ledger, policy-based routing, compliance controls, and reconciliation — the layers that make the simple experience your customers see actually hold up underneath.

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LEDGER

One source
of truth.

A custody-agnostic, double-entry ledger across every provider and program. Every balance has a traceable origin.

Double-entry
by default
Asset-level
isolation
Complete
lineage
MONEY MOVEMENT

Every way to pay.
One system.

Accept supported cards, bank payments, stablecoins, and wallet payments without managing a separate operating process for each one.

Policy-based
routing
Provider
failover
Normalized
states
COMPLIANCE

Control in
the flow.

KYC, restrictions, case management, and maker-checker approval live inside every sensitive action.

Maker-checkerRole-basedAuditable
RECONCILIATION

Know what
happened.

Known failures and unknown outcomes are never represented as the same state.

Real-time
matching
Explicit
exceptions
Operational
visibility
XOIDO · OPERATIONS

The whole system.
In one view.

One consistent layer across the moving parts—so teams can see, decide, and act with confidence.

Ledger
Consolidated balance
$84,189.49
Across 4 provider rails
Assets$192,410
Liabilities−$108,220
Ledger integrityBALANCED
Last journal12 SEC AGO
Routing engine
4 rails
1 normalized instruction
ACH · ACARDS · BWALLET · CRAMP · D
Selected route42MS
Sensitive action
Approval
Maker-checker enforced
Release transferREVIEW
PROGRAM
Treasury 01
AMOUNT
$24,800
MAKER
Operations
RISK
Standard
ApproveReject
Policy checks6 / 6 PASS
Reconciliation
99.98%Matched
xo_98a1…e40cRECONCILED
xo_41cc…09fbUNKNOWN
xo_b802…4ca2POSTED
System overview
Nominal
All services operating normally
LedgerBalanced
Movement4 rails
ComplianceEnforced
Reconciliation99.98%

Swap the rail.
Keep the system.

Xoido separates your operating model from the providers underneath it.

Ready when you are

Every way to pay. One place to manage it.

Accept crypto, cards, and bank payments through one simple payment experience.

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