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Trusted by builders and platform teams

Builder & Partner Platform

Build with Xace. Ship Finance, Fast.

Embed accounts, payments, FX, and approvals straight into your product—on infrastructure trusted by iGaming leaders and built for regulated scale.

Composable API primitivesRegulated infrastructureSandbox includedPartner enablement

What you unlock

Banking infrastructure, ready to compose

Accounts, payments, FX, webhooks, and controls — available as clean API primitives that slot into your product without rebuilding the regulated layer underneath.

Composable banking primitives

Clean, versioned REST APIs covering accounts, payments, FX, webhooks, Open Banking, and approval controls. One integration surface for the entire financial layer — no reinventing regulated infrastructure.

Full sandbox from day one

Test every banking scenario before going live. Full-featured test environment with realistic ledger states, Postman collections, and documentation so your integration is proven before it counts.

YOUR BRANDHERE

Partner and brand enablement

Launch under your brand or extend your platform with Xace as the infrastructure. Commercial support, technical onboarding, and a dedicated partner team behind every build from proof-of-concept to go-live.

Three ways to build

Bring banking into your product experience

Account data, payments, and FX actions surfaced directly inside your product flow — so users never leave your environment to handle their money.

REST API access across every banking primitive

Clean, versioned endpoints for accounts, payments, FX, and approvals. One integration point for the entire banking layer — with no undocumented gotchas.

Test every scenario before going live

Full sandbox with realistic ledger states and test data. Validate your integration logic without touching production balances or rails.

Standards-based connectivity from the start

OAuth 2.0 with granular permission scopes means Xace fits your existing stack rather than requiring an architecture rework to accommodate banking.

The API surface

Every banking primitive, documented and ready to integrate

Accounts, payments, FX, webhooks, Open Banking, and approval controls — each with clean REST endpoints, versioned contracts, and full reference documentation. The API surface is the product, not a side door. Teams integrate once and get access to every primitive as the platform grows.

Developer experience

From sandbox to production in days, not months

Full-featured sandbox, Postman collections, quickstart guides, and a developer portal that covers every integration scenario. Technical teams spend their time building, not troubleshooting the banking layer. Dedicated technical support is available from the first architecture review through to go-live.

Branded and partner builds

Your brand. Your experience. Xace underneath.

Launch a fully branded financial product on top of Xace's regulated rails. Custom UI, your domain, your customer relationship — with the infrastructure, compliance framework, and operational support handled by Xace. Platform partners and technology integrators get commercial and technical enablement throughout the build.

Proven by builders

The infrastructure behind financial products that actually ship

Building financial products is hard. The regulated infrastructure layer alone — accounts, payment rails, FX, KYC, controls — takes years to build correctly and remains the highest-risk part of every financial product roadmap. Xace removes that constraint.

Builders and platform teams across payments, treasury, affiliate, and embedded finance use Xace to compress their go-to-market timeline from months to weeks. The API surface is complete, the documentation is accurate, and the partner team is technically engaged from the first integration conversation to go-live and beyond.

Built for builders who ship

REST

API — versioned and documented

Full

Sandbox with test data

2–4 wks

Average integration to live

Named

Technical contact included

Trusted by builders and platform teams

CTO

Chief Technology Officer · Embedded Finance Platform

“We embedded Xace into our platform in under three weeks. The API documentation was accurate, the sandbox was complete, and the technical team knew exactly what we were building.”

CEO

Chief Executive Officer · Fintech Platform Partner

“The partner model is what made the difference. Xace handled the regulated layer so we could focus entirely on the product experience our clients needed.”

Head of Engineering

Head of Engineering · Treasury Technology Company

“Most infrastructure providers treat developers as an afterthought. Xace felt designed for builders from the start — good docs, a real sandbox, and a technical contact who understood our architecture.”

Builder questions

FAQs for builders

Practical answers for product and platform teams validating the build surface, sandbox, and partner model.

Disclaimers & Regulatory Information

‘Xace’ and ‘Xace Europe’ are trading names of Xace Limited and Xace Malta Ltd. Xace Limited is a private limited company (number 11742963) registered in England and Wales. Xace Malta Ltd is a private limited company (C 102626) registered at Level 5, Carolina Court, Giuseppe Cali Street Malta XBX 1425.

Xace Limited is regulated by the Financial Conduct Authority, FRN 948213, under the Payment Services Regulations 2017 as an Authorised Payment Institution, providing payment accounts.

Xace Malta Ltd is licensed and regulated by the Malta Financial Services Authority to undertake the business of a payment services in terms of the Financial Institutions Act.

Xace Limited is a registered EMD agent of Modulr FS Limited, a company registered in England and Wales with company number 09897919, which is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (Firm Reference Number: 900573) for the issuance of electronic money and payment services. Your account and related payment services are provided by Modulr FS Limited. Whilst Electronic Money products are not covered by the Financial Services Compensation Scheme (FSCS) your funds will be held in one or more segregated accounts and the full value safeguarded in line with the Electronic Money Regulations 2011 – for more information please see follow this link.

Xace Limited is also a partner of Modulr Finance B.V., a company registered in the Netherlands with company number 81852401, which is authorised and regulated by the Dutch Central Bank (DNB) as an Electronic Money Institution (Firm Reference Number: R182870) for the issuance of electronic money and payment services. Your account and related payment services are provided by Modulr Finance B.V. Your funds will be held in one or more segregated accounts and the full value safeguarded in line with the Financial Supervision Act (Wet op het Financieel Toezicht, Wft) – for more information please follow this link.

Xace Limited also provides other Payment Services under its own licence. These are separate and unrelated to the account and payment services you receive from Modulr FS Limited.

Your card is issued by Modulr FS Limited or Modulr Finance B.V. pursuant to their respective license by Visa Europe. Visa and the Visa brand mark are registered trademarks of Visa Europe.