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HK MSO Licensed · Operational

The financial operating systemfor companies operating globally

Receive payments, convert currencies and send international payouts through a single operational platform.

Open Account

SWIFT

Correspondent

T+0

Same-day FX

180+

Countries

MSO

HK Licensed

app.xchangelab.com

Dashboard

XChangeLab

Dashboard

Account Details

Exchange

Pay out

Contacts

Transaction history

Account settings

info@xchangelab.com

Terms and Conditions

A

Company

My Account

327,975.16 USD

Total balance at 08.05.2026 (12:09)

Transfer

Exchange

Global accounts

🇪🇺

EUR

*1490

200,108.22

🇺🇸

USD

*1490

8,508.21

🇭🇰

HKD

*1490

1,898.30

🇨🇳

CNY

*1490

202.88

Transactions

↑

Outbound

1,300.47 USD

ABC Company Ltd.

Completed
⇄

FX

18,000.00 USD

USD → HKD

Processing
↓

Inbound

111,090.47 USD

Pacific Import Co.

Completed

Fast onboarding

Global payouts

Multi-currency accounts

Enterprise compliance

Platform

Everything your business needs to move money globally

From incoming collections to supplier payouts — one platform handles the entire operational flow.

🇺🇸

USD

8,508.21

*1490 · Active

🇪🇺

EUR

200,108.22

*1490 · Active

🇭🇰

HKD

14,921.30

*1490 · Active

🇨🇳

CNY

18,202.88

*1490 · Active

Global Accounts

Collect funds globally

Open operational accounts for international collections in major currencies. Receive from any network into named, dedicated accounts.

Multi-currency
Dedicated accounts
Named virtual accounts
International collections

YOU SEND

$18,000

🇺🇸

USD

YOU RECEIVE

¥130,394

🇨🇳

CNY

Exchange rate

1 USD = 7.2441 CNY

USD/CNY · 24h movement

FX & Currency

Convert and manage currencies

Live pricing, rate-lock and same-day settlement across 30+ currency pairs. Operational-grade FX with full treasury visibility.

Competitive FX
Real-time conversion
Treasury management
Multi-currency ops

Your account

SWIFT / CIPS

Local network

Recipient

Guangzhou Supply Chain

CIPS · CNY

¥932,000

Queued

Berlin Industrial Parts

SWIFT · USD

$13,188

Processing

Singapore Logistics Ltd.

FAST · SGD

SGD 4,200

In transit

Global Payouts

Route global supplier payouts

Send supplier, payroll and operational payments worldwide across SWIFT, CIPS, SEPA and local networks with full tracking.

SWIFT, SEPA, local
Batch payouts
Approval workflows
Payment tracking

Total collected · May 2026

$0

Monthly volume

Jan

Jun

Dec

Collections & Treasury

Manage cashflow and collections

Consolidate incoming funds, track segregated balances and automate reconciliation across all accounts from a single platform.

Cashflow visibility
Reconciliation
Escrow structures
Collection workflows

Built for complex industries

We don't shy away from complex clients

Designed for cross-border businesses, global trade, family offices, property management, logistics and modern digital companies that others find too complex.

Cross-border tradeMulti-entity structuresComplex FXRegulatory compliance
🏭

Manufacturing

🚢

Import / Export

🏗️

Property & Real Estate

🚛

Logistics

🏢

Family Offices

💻

SaaS & Digital

⚡

Energy & Commodities

🎓

Education

🌐

International Trade

💊

Pharma & Life Sciences

🏦

Financial Services

🛒

E-commerce

Industry Use Cases

Different industries. One financial infrastructure.

Real operational problems. Real businesses. Here's how companies across 11 industries use XChangeLab to move money globally.

Case 01Import & Export

Meridian Trading Co.

🇭🇰 Hong Kong

From 7-day SWIFT delays to same-day settlement.

A Hong Kong trading company running CN–EU supply chains was losing over $40,000 per month in working capital locked inside slow SWIFT corridors. Three separate bank accounts, manual FX bookings and no real-time visibility were costing them competitiveness — and a key European buyer was threatening to move.

Before

✕

7-day average SWIFT settlement

✕

$40K capital float per shipment

✕

3 banks, no consolidated view

✕

Manual FX bookings at unknown rates

After

✓

T+0 settlement via SWIFT + CIPS

✓

Working capital freed same day

✓

Single multi-currency dashboard

✓

Institutional FX rate, pre-confirmed

-67%

FX cost reduction

Live

🇨🇳

Supplier

Shenzhen

🌐

XChangeLab

FX T+0

🇩🇪

Account

Frankfurt

Before

7-day settlement

$40K capital locked

After

T+0 settlement

Capital freed same day

99.8%

Payment success SLA

Successful transactions

120

Currencies

Supported for accounts & payouts

75

Countries

Active payment corridors

48h

Hours to operations

From signup to first payment

Regulatory & Infrastructure

Regulated financial infrastructure.

Powered by licensed partners, global banking networks and compliance-first systems — not unregulated intermediaries.

MSO License

No. 24-04-03215

Money Service Operator · Customs and Excise Department, Hong Kong SAR

SWIFT BIC

ZEUXHKH2

Active SWIFT membership · International wire routing code

Regulatory Framework

FATF Compliant

AML/CFT policies aligned with Financial Action Task Force standards

Date of Registration

April 25, 2023

Hong Kong SAR (Special Administrative Region) · License valid until April 25, 2026

🏦

Correspondent banking network

United States (USD)

United Kingdom (GBP)

Hong Kong (HKD)

Singapore (SGD)

Switzerland (CHF)

Portugal / EU (EUR)

South Africa (ZAR)

China (CNY · CIPS)

Philippines (PHP)

⚙️

Proprietary infrastructure

Own ledger system

Real-time transaction monitoring

Automated sanctions screening

Internal compliance engine

Dual-control approval workflows

Role-based access management

🔐

Compliance-first onboarding

KYB — company identity verification

KYC — beneficial owner verification

Source of funds documentation

Ongoing AML transaction monitoring

FATF-aligned risk assessment

Regulatory reporting framework

Jurisdictions and services vary depending on client type, business activity and partner structure. XChangeLab Limited is registered as a licensed Money Service Operator (MSO) in Hong Kong SAR. The platform and its compliance framework are designed to meet the standards of regulated financial operations in major jurisdictions, including FATF member states.

Account Opening

Up and running in under 15 minutes.

No branch visits. No paper forms. Register, answer business questions, verify identity — and your multi-currency account is ready.

✏️

Create your account

Business or private, email + password

~2 min
📋

Business questionnaire

Company profile, KYB, documents upload

~10 min
🪪

Face & ID verification

iBeta certified liveness check

~3 min
🚀

Dashboard access

Review → approval → fully operational

Instant
pay.xchangelab.com

Create your
account

XChangeLab

Create your account

Start your onboarding process

Account type

Business
Private

First name

│

Last name

Email address

Password

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FAQ

Questions we hear before every account opening.

Direct answers to the real barriers — bank rejections, KYC complexity and new company concerns.

Yes — and this is exactly the type of client we are built for. Traditional banks apply blanket restrictions on certain industries, company ages or jurisdictions. XChangeLab works with businesses that banks decline: import-export operators, newer companies, digital asset businesses, international service firms. We assess your business model directly, not your relationship with another institution.

Still have questions?

Ready to operate globally?

Modern financial infrastructure
for global operations.

Receive payments, convert currencies and send international payouts through a single regulated platform — built for how global business actually operates.

Open Account
⚡

Fast onboarding

🌐

Multi-currency operations

🛡️

Regulated infrastructure

💬

Dedicated support

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© XChangeLab. Built for companies operating globally.