XFlow

Xflow is an API-first, Bangalore-based fintech startup that builds cross-border payments infrastructure for businesses, platforms, exporters and freelancers. The company provides white-label APIs and integration tools to collect payments into India using local rails (UPI, NEFT, IMPS, RTGS), supports direct settlement to platform accounts with configurable settlement timelines and pricing, and enables payouts in major currencies. Xflow also offers an AI-driven foreign-exchange tool that lets finance teams set target conversion rates and use limit-order style FX execution to optimize timing and reduce foreign-exchange friction for medium-to-large B2B transactions.