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Every rail.
One ledger.

Xoido orchestrates cards, ACH, wallets, and on/off-ramp across every provider your business runs on — settled to one ledger, reachable through one API. Launching soon.

FINANCIAL INFRASTRUCTURE, ORCHESTRATED — XOIDO.IO

Built for how money actually moves

Four planes, one platform

Ledger

A custody-agnostic, double-entry ledger. One source of truth across every provider and program — nothing nets across assets, ever.

Money Movement

Cards, ACH, wallets, and on/off-ramp routed through swappable provider rails. Wirex is live; more are on the way.

Compliance

KYC, case management, and restrictions with maker-checker approval built into every sensitive action — not bolted on after.

Reconciliation

Real-time transaction monitoring with a hard invariant: known failures and unknown outcomes are never shown as the same thing.