From 15,000 EUR
In line with European bank requirements
Contact a manager
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.
Even legal funds can be blocked if the transfer does not have a transparent structure or prepared documents.
In the checklist, you will learn in detail about:
To start working with Xpaid, the client goes through basic identity verification
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
Instant
Partially
Clear and
documentedWeak proof of funds routeCompliance may treat as suspicious payment chain and suspend until clarifiedNoneNo limits*Up to 10,000 EUR (depends on the bank)Up to 10,000 EUR without declarationUp to 10,000 EUR per transactionNo official limitsFast bank reviewLong compliance checksSlowReviews of suspicious transactions may last monthsFast, but risk of bank credit rejectionExtremely lowMediumHighHighVery highLowerMediumHighHighVery highHighHigh (banking channel)LowMedium / depends on platformVery lowInstantPartiallyClear andWeak proof of funds routeCompliance may treat as suspicious payment chain and suspend until clarifiedNoneNo limits*Up to 10,000 EUR (depends on the bank)Up to 10,000 EUR without declarationUp to 10,000 EUR per transactionNo official limitsFast bank reviewLong compliance checksSlowReviews of suspicious transactions may last monthsFast, but risk of bank credit rejectionExtremely lowMediumHighHighVery highLowerMediumHighHighVery highHighHigh (banking channel)LowMedium / depends on platformVery low
Для досвідчених клієнтів, яким потрібен тільки обмін, і які вже мають готову інфраструктуру.
Для компаній і фізосіб, яким потрібен готовий сервіс, без головного болю, з мінімумом зусиль з їхнього боку.
Passport, TIN, documents proving the origin of the funds, and the purpose of the transfer.
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.
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.
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.
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.
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.
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