Founded in 2021 and headquartered in Bengaluru, Xflow offers a payments infrastructure platform that lets exporters, SaaS firms, freelancers, and other businesses embed cross-border money movement into their own products through APIs. The startup allows customers to collect payments from more than 100 countries in over 25 currencies, manage FX conversion, and settle funds in India with greater transparency than traditional banks. In 2023, Xflow processed nearly $1 billion in annualized cross-border payment volume, a roughly 10-fold increase from the prior year. Its customer base has grown to about 15,000 businesses, ranging from global capability centers handling $1–2 million transactions to freelancers averaging $3,000. The company has introduced an AI-driven foreign-exchange tool that lets finance teams set limit-order–style targets and claims 92 % forecasting confidence over a three-day window. Xflow has received final RBI authorization for a Payment Aggregator–Cross Border license and already holds a payments license in Canada, with plans to secure further regulatory approvals in markets such as Singapore. The 65-person team intends to add import capabilities and build additional products on top of its core infrastructure.

Total raised

$17M

Funding rounds

1

Latest round

Series A

Latest activity

Feb 2026