xpate

xpate is a payment and banking technology company founded in 2019 in Riga, Latvia. Its core product is the xpate unified payment and banking hub, an all-in-one platform that combines card payments, foreign exchange services and banking into a single account. The company serves businesses globally, including digital SMEs and firms in regulated industries.

The platform is designed to replace fragmented financial infrastructure with one interface, allowing businesses to pay, get paid and manage money across borders from a single account. Technical work spans payments technology, FX, banking infrastructure and financial technology more broadly.

xpate operates from two locations: Riga, its founding site, and London, United Kingdom. The company states that it was founded on the premise that global payments should be seamless, and that its approach favours unified, simple solutions over fragmented platforms. Team size and funding details are not disclosed.