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Group structure built for complex organisations

Multi-Entity & User Solutions

One Login. Every Brand. Total Clarity.

Xace simplifies operations for groups, holding companies, and multi-brand operators. Switch between companies and roles instantly—with full audit integrity, scoped access, and instant, auditable, scoped switching.

Unlimited entitiesPer-entity permissionsHolding hierarchiesSingle sign-on

Why groups choose Xace

Structure, permissions, and visibility — built for groups

The strongest group finance teams need more than account access. They need a platform that mirrors their organisation structure, enforces role-based controls, and gives leadership consolidated oversight without extra admin overhead.

Group hierarchies without the complexity

Model your holding structure, subsidiaries, and operating entities exactly. Invite teams, assign accounts, and maintain group clarity without managing each entity in isolation.

Per-entity accounts, unified group view

Each entity holds its own accounts and IBANs while leadership retains a single consolidated view of balances, activity, and permissions across the whole group.

Audit-ready across every entity

Every user action, permission change, and account event is logged and timestamped across the full group structure — searchable, exportable, and ready for compliance review.

Three layers of group control

Model your group exactly as it operates

Build the entity hierarchy that matches your real organisation — holding companies, subsidiaries, operating entities, and jurisdictional structures — in a single authenticated session.

Bring every brand and entity under one operating model

Consolidate group structure, banking relationships, and financial visibility into a single layer without duplicating admin across entities.

Switch entity context instantly without breaking flow

Move between subsidiaries, brands, and jurisdictions fluidly so treasury, payments, and oversight stay continuous across the group.

Maintain governance across every operating entity

Keep the group structure clean, controlled, and aligned to the way your finance and compliance teams actually work.

Entity switching

Move between entities without breaking the workflow

Switch company context instantly from the same authenticated session. Treasury, payments, and approvals stay continuous as you move across brands, subsidiaries, and jurisdictions — no re-login, no operational drag.

Role-based permissions

Define exactly who controls what, at every level

Permissions operate at entity, account, and action level. Finance teams initiate, compliance teams approve, leadership oversees — each with precisely the right access, enforced at the platform layer. For the underlying approval policies and payment rules, the rules engine handles that.

Group financial visibility

One consolidated view for the whole group

Group CFOs and treasury leads get a live consolidated position across all entities, accounts, and currencies — without reconciling data from multiple dashboards. Xace structures the group so consolidated reporting is built in, not bolted on.

Built for structural complexity

Group finance demands infrastructure that matches the real organisation

When a group operates across multiple jurisdictions, holding structures, subsidiaries, and brands, generic banking creates friction at every level. Account admin multiplies, permissions drift, and oversight breaks down as the group grows.

Xace is built for groups that need more than individual accounts. The platform models entity hierarchies directly, enforces role-based permissions at entity and account level, and gives group leadership a consolidated view without operational overhead. Whether you are managing a holding company across four jurisdictions or a scaled iGaming group with segregated player accounts and affiliate structures, the control layer scales with you — not against you.

Infrastructure built for group scale

Unlimited

Entities per group

Per-entity

Permission control

11

Currencies supported

24/7

Platform availability

Trusted by complex groups

Group CFO

Chief Financial Officer · European Holding Group

“Managing seven entities from one dashboard was something we never thought possible with a bank. Xace made it the default.”

Head of Treasury

Head of Treasury · Multi-jurisdiction Corporate Group

“The permission model is exactly right. Finance can initiate, compliance approves, and I see everything — without anyone stepping on each other's toes.”

VP of Finance

VP Finance · International Payments Group

“Entity switching is seamless. Our team moves between subsidiaries in real time without any re-authentication or access issues.”

Decision support

Everything you need to know about multi-entity finance in Xace

Practical answers for groups assessing multi-entity structure, user management, and permissions.

Get started

Ready to build with Xace?

Open an account, see the platform in action, and move from fragmented operations to a governed financial layer.

Operator-ready onboardingGuided implementationProduction support

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.