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What If Your Money Could Protect You?
What If Your Money Could Protect You?
What If Your Money Could Protect You?
Create smart, virtual cards that obey your rules, not your bank's
Create smart, virtual cards that obey your rules, not your bank's
Create smart, virtual cards that obey your rules, not your bank's
FUTURE OF FINANCE
Reimagine your money as your personal employee
X.cards lets you program your money with surgical precision
Declined! Unauthorized Purchase
Now that declined transaction is intentional and in YOUR favor. You set the rules!
Never again have to cancel your bank card
Never again have to cancel your bank card
You + AI =your money is bulletproof.
You + AI =your money is bulletproof.
Explore a wide range of investment options, tailored to your financial goals.
Peaceful Tomorrow
Smart Virtual Cards
Instant, secure cards with limitless spending controls.
More than 152.78k+ users love their x.cards journey
More than 152.78k+ users love their x.cards journey
More than 152.78k+ users love their x.cards journey
The digital innovation in this app has truly transformed my financial experience. It’s a must-have!
Sarah Kasin
Financial Adviser
The user-friendly interface makes managing finances a breeze. Best financial app out there!
Jessica Pandaan
Fund Manager
The debt management system is excellent. It’s helped me pay off my debts faster and regain control of my finances
Wiliam Kacuk
Luxury Car Sales
The investment tracker keeps me updated on my portfolio performance. It’s like having a personal financial advisor!
Emily Sukun
Digital Marketer
The budgeting tool has been a game-changer for me. It’s helped me save more than I ever thought possible
David Gadang
Specialist Doctor
The financial goal setting feature has helped me stay focused on my long-term objectives. Highly recommended!
Julia Ngaglik
Personal Trainer
The digital innovation in this app has truly transformed my financial experience. It’s a must-have!
Sarah Kasin
Financial Adviser
The user-friendly interface makes managing finances a breeze. Best financial app out there!
Jessica Pandaan
Fund Manager
The debt management system is excellent. It’s helped me pay off my debts faster and regain control of my finances
Wiliam Kacuk
Luxury Car Sales
The investment tracker keeps me updated on my portfolio performance. It’s like having a personal financial advisor!
Emily Sukun
Digital Marketer
The budgeting tool has been a game-changer for me. It’s helped me save more than I ever thought possible
David Gadang
Specialist Doctor
The financial goal setting feature has helped me stay focused on my long-term objectives. Highly recommended!
Julia Ngaglik
Personal Trainer
The digital innovation in this app has truly transformed my financial experience. It’s a must-have!
Sarah Kasin
Financial Adviser
The user-friendly interface makes managing finances a breeze. Best financial app out there!
Jessica Pandaan
Fund Manager
The debt management system is excellent. It’s helped me pay off my debts faster and regain control of my finances
Wiliam Kacuk
Luxury Car Sales
The investment tracker keeps me updated on my portfolio performance. It’s like having a personal financial advisor!
Emily Sukun
Digital Marketer
The budgeting tool has been a game-changer for me. It’s helped me save more than I ever thought possible
David Gadang
Specialist Doctor
The financial goal setting feature has helped me stay focused on my long-term objectives. Highly recommended!
Julia Ngaglik
Personal Trainer
EXCEPTIONAL FEATURES
What makes X.cards so addictive?
X.cards is building the programmable transaction layer for autonomous commerce.
Cards, wallets, and permissions, but no faces, no users, no people. Just roles, and logic.
Cards, wallets, and permissions, but no faces, no users, no people. Just roles, and logic.
Give your card a contract and a conscious
Give your card a contract and a conscious
EXPLORE OUR BENEFITS
You are issuing permission to transact, just like a traffic light signals when it’s okay to go.
Charges only occur when you say so!
Route SaaS subscriptions to a single virtual card
Gone are your subscription cancellation headaches!
Route SaaS subscriptions to a single virtual card
Gone are your subscription cancellation headaches!
Route SaaS subscriptions to a single virtual card
Gone are your subscription cancellation headaches!
Finance Teams: Automate budget limits per department
If you go over budget, it wasn't an error
Finance Teams: Automate budget limits per department
If you go over budget, it wasn't an error
Finance Teams: Automate budget limits per department
If you go over budget, it wasn't an error
Freelancers: Create expense cards for each client.
Build MAXIMUM trust with your clients by enabling them to manage the expense cap for their project
Freelancers: Create expense cards for each client.
Build MAXIMUM trust with your clients by enabling them to manage the expense cap for their project
Freelancers: Create expense cards for each client.
Build MAXIMUM trust with your clients by enabling them to manage the expense cap for their project
Developers: use X.cards’ API to automatically issue or modify cards from within your software
Set rules (e.g., merchant category, spending limit, expiration); Fund or defund cards based on logic in your code; Disable or delete cards instantly
Developers: use X.cards’ API to automatically issue or modify cards from within your software
Set rules (e.g., merchant category, spending limit, expiration); Fund or defund cards based on logic in your code; Disable or delete cards instantly
Developers: use X.cards’ API to automatically issue or modify cards from within your software
Set rules (e.g., merchant category, spending limit, expiration); Fund or defund cards based on logic in your code; Disable or delete cards instantly
EXTRA TOOLS
Unveiling your most powerful DIGITAL LEDGER solution
Dive deeper as we unveil enhanced features, making you self-audited and balanced to the penny
Unlimited Virtual Ledgers
Assign a smart virtual card for every transaction type and every vendor type with no risks!
Unlimited Virtual Ledgers
Assign a smart virtual card for every transaction type and every vendor type with no risks!
Unlimited Virtual Ledgers
Assign a smart virtual card for every transaction type and every vendor type with no risks!
AI Financial Assistant
Leverage intelligent algorithms that analyze spending patterns, provide personalized insights, and enhance security across all financial activities.
AI Financial Assistant
Leverage intelligent algorithms that analyze spending patterns, provide personalized insights, and enhance security across all financial activities.
AI Financial Assistant
Leverage intelligent algorithms that analyze spending patterns, provide personalized insights, and enhance security across all financial activities.
Unified Platform
Take advantage of a turnkey integration of banking, digital currency technology, and international payments in a single interface designed for all of us
Unified Platform
Take advantage of a turnkey integration of banking, digital currency technology, and international payments in a single interface designed for all of us
Unified Platform
Take advantage of a turnkey integration of banking, digital currency technology, and international payments in a single interface designed for all of us
Secure
Fraud Shield
Multi-Currency
Smart Budgeting
Card Controls
Global Remittance
AI Assistant
Secure
Investment Help
Multi-Currency
Smart Budgeting
Risk Advisor
Global Remittance
AI Assistant
USER SATISFACTION
Most used financial app used by millions of happy users
Most used financial app used by millions of happy users
Most used financial app used by millions of happy users
1,5M+
1,5M+
Downloads on App Store
Downloads on App Store
4,9
Ratings out of 5
150k+
Active Customers
150k+
Active Customers
150k+
Active Customers
5%+
Spending reduction
5%+
Spending reduction
5%+
Spending reduction
20%+
Increase savings
20%+
Increase savings
20%+
Increase savings
99k+
Positive reviews
99k+
Positive reviews
99k+
Positive reviews
Trusted by millions, this app offers seamless financial management and personalized insights for user satisfaction.
FINANCE ELEVATION
PERFECT your financial journey with X.cards
Unlock your financial potential. We provide personalized tools and data to elevate your financial journey.
FINANCE ELEVATION
PERFECT your financial journey with X.cards
Unlock your financial potential. We provide personalized tools and data to elevate your financial journey.
FINANCE ELEVATION
PERFECT your financial journey with X.cards
Unlock your financial potential. We provide personalized tools and data to elevate your financial journey.
From Our Blog
Our latest insight & update
LET'S CONNECT
We would love to hear from you
Have questions or just want to say hi? Send us a message below
Connect with us. We value your input. Together, we can create a better x.cards future. Let’s start today.
Connect with us. We value your input. Together, we can create a better x.cards future. Let’s start today.
Head Office
2001 L Street Northwest Suite 500, Washington DC 20036
2001 L Street Northwest Suite 500, Washington DC 20036
We will reach out to you about 24 hours in work days
We will reach out to you about 24 hours in work days