Financial service for Ukrainian entrepreneurs and managers in the EU
Transfer money securely with expert support at every step — including compliance checks and financial monitoring.
Open a European bank account remotely — skip the queues, paperwork, and travel. We’ll match you with the right solution based on your needs.
You're never on your own. Every client is assigned a dedicated advisor who guides you through each stage — from preparation and compliance to successful settlement.
Facilitating secure cross-border transactions to Europe, with strong focus on documentation and compliance support. Our team handles documentation, operates in line with international compliance standards (AML/KYC), and keeps your transfer smooth and legal.
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About Services
Your Trusted Partner in Cross-Border Transfers
We specialize in high-value transactions — with Xpaid, every transfer is handled smoothly and securely.
Recommended transfer amount: €50,000+
Regulated under EU financial licenses (Poland & Lithuania)
Personalized support every step
Xpaid clients complete basic verification, which includes: AML screening, passport, proof of address source of funds documentation
The client undergoes online registration in the payment system: uploads a passport and a document confirming the address (no older than 3 months from the date of issue). The process takes up to a week.
A legal agreement is signed for the exchange of crypto assets to EUR.
The client sends their wallet address to the Xpaid team. We perform an AML compliance check on the full amount using industry-standard blockchain analytics
The client transfers USDC to Xpaid’s wallet. Xpaid locks in the exchange rate and finalizes the deal with a licensed payment institution. All required documents are submitted to ensure fast processing and a successful EUR deposit to the client's account.
Once converted, funds can be: - Transferred to any EU account - Used to pay for goods and services - Optionally sent to newly opened accounts for SWIFT transfers
KYC & AML Documentation
What Makes Xpaid Different?
Other methods often fail
Restrictions, high risk, and fund freezes make traditional methods unreliable. We don’t recommend them for secure and stable transactions.
Cash
Limited to €10,000 — and difficult to prove source of funds.
Informal Money Transfers
High risk of involvement in illegal or unregulated schemes.
SWIFT Transfers
Monthly limit of ~€2,500 (UAH 100,000) — often delayed or blocked by banks.
Who Is Xpaid For?
Xpaid streamlines financial operations to power your business with speed and confidence
Why Choose Xpaid?
More than money transfers
We’re a team with deep expertise in European banking and payment infrastructure.
Over 5,000 clients have already trusted us with their financial future.
€100M+ in transfers completed
From individuals to large institutions
Expert compliance team
Fast onboarding — as quick as 3 business days
What Our Clients Say
Stories that change the lives of our clients
Xpaid makes your financial transition smooth, clear, and free of unpleasant surprises
Relocated Smoothly — Housing, Car & Bank Account
With Xpaid’s help, I rented an apartment, bought a car, and opened a bank account in Europe. Fast support, friendly compliance, and everything worked as promised.
5.0Invested in the Stock Market
I funded my brokerage account to buy stocks. Everything went smoothly — highly recommend Xpaid to any private investor looking to move funds internationally.
5.0Transferred Funds to Europe — Fully Compliant
Thanks to Xpaid, I legally moved my funds to a European bank account. The process was clean, fast, and professional. I’ve already recommended it to friends.
5.0Bought Property in Spain
We purchased a property in Spain for our children. With Xpaid, it was completely hassle-free — no frozen accounts, no extra taxes. We’re very happy with the service.
5.0I bought a land plot in Europe
Thanks to the guys, they helped me convert my savings from Ukraine into the purchase of a plot in Europe to build a country house. Professional and fast work.
5.0We opened an account and bought housing for our children
The children went to study in Europe, were able to comfortably deposit the money they earned in Ukraine into a bank account in the EU and buy real estate for them. Recommendation.
5.0Xpaid працює під ваш запит
Гнучкість і вибір завжди на вашому боці
💎 Кому важлива ціна
Xpaid Lite
Просто міняємо й зараховуємо
Для досвідчених клієнтів, яким потрібен тільки обмін, і які вже мають готову інфраструктуру.
Комісія від
2%
- Зарахування коштів на наданий рахунок клієнта
- Швидкий обмін крипти
- Відкриття рахунків
- Комплайнс-супровод
- Консультації
- Персональний менеджер
⏰ Кому важливий час
Xpaid 360
Cервіс під ключ з повним супроводом
Для компаній і фізосіб, яким потрібен готовий сервіс, без головного болю, з мінімумом зусиль з їхнього боку.
Комісія від
3%
- Повний супровід угод
- Обмін криптовалюти
- Відкриття рахунків (оплата окремо)
- Банківський комплайненс-підтримка
- Консультації з міжнародних переказів
- Налаштування під ваш бізнес
FAQ
Everything You Want to Know About Xpaid OTC Desk
What documents do I need to prepare for cross-border money transfer?
You’ll need documents proving the source of funds. These may include:
- Tax declarations
- Bank statements
- Sale agreements (e.g., for property or vehicles)
- Dividend payment confirmations, etc.
It’s best to provide these in English or with a certified translation.
Additionally, you’ll need proof of address, dated within the last 90 days — such as a utility bill or a bank statement with your address. English language preferred.
Do I need to open a bank account in the EU?
No, it is not necessary to open an account with a traditional bank.
However, to make an exchange through us, you need to have an account with a financial institution (payment institution) that accepts and sends funds within the EU.
Can you help me explain the source of my funds?
Yes — we guide and support clients in preparing the correct documentation.
We can:
Help identify which documents apply to your situation
Suggest appropriate language for submitting to banks/payment institutions
Communicate with the institution on your behalf if needed
Each case is unique — we proceed carefully and ensure alignment with the receiving bank's requirements.
Can I transfer cryptocurrency?
Yes — this is our core service.
You send crypto (e.g., USDC) to us via invoice. Once received, we convert it according to the pre-agreed rate and send EUR (or other fiat) to your account — which we help you open in advance.
Fiat funds (for example, euros) are transferred to the client's account, which we help to open in advance.
Every transaction is compliant and comes with a legal agreement.
Can my transfer be blocked by a European bank?
It can — especially if the amount is large or the transaction lacks proper documentation. We help avoid blocks by preparing all paperwork, guiding you through each step, and working with banks that are friendly to these types of operations.
What is the fee of services?
The commission depends on the format of the deal, the source of funds, the transaction volume and the client's jurisdiction. The commission averages 2% to 5%.
The commission is always calculated individually after analyzing the specific request. Contact us for an exact calculation.
Xpaid Team
Our team: Experts in the Global Payment Ecosystem
Alex Rud
Co-founder & CEO
Yevhen Yevreiskiy
COO
Olexandra Zaverukha
AML Officer
Mikhailo Studenets
Co-founder & CTO
Anastasiia Serduik
Partnership Manager
Media about us
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