Banking & Finance AI for SMEs.
White-labeled platform for banks and fintechs to build AI powered banking and financial products in days - to win in today’s SME markets.
Meet the future of AI powered Banking and Finance
Get banking rails, beyond banking tools, and AI superpowers in one composable, white-label platform to launch SME-first financial products.
SME Banking Suite
Get the complete suite of modern banking features, custom designed for SMEs in Africa and the GCC.
Multi-Currency Accounts
Offer local & FX accounts and sub accounts with ease.
Virtual Business Cards
Issue team cards, set limits, control spending in real-time.
Payments & Transfers
Enable vendor payouts, domestic & global transfers.
SME Beyond Banking Suite
Beyond banking features designed to address the entire financial lifecycle of an SME.
Smart Invoicing
Let SMEs create, send, and track professional invoices with integrated payment links.
Expense Management
Automate capture, categorization, and approval of spending - powered by AI-driven fraud detection.
Reconciliation
One-click reconciliation across bank accounts, wallets, cards, and payment platforms.
Digital Account Opening Suite
Let your SME customers onboard 10x faster with our AI-powered digital account opening suite. From KYC to KYB, automate every step — for single founders or multi-partner businesses.
100% Digital
No paper. No branch visits. Secure, via mobile or web.
AI Regulatory Checks
Real-time KYC, AML, document verification for compliance and security.
Seamless Onboarding
Welcome users with clear, guided setup to personalise account settings and explore features, with AI nudges.
Reconciliation Suite
No more late nights with spreadsheets for your customers. Help them match, validate, and close books faster - powered by AI.
Automated Matching
AI matches bank, payment, and ledger records instantly, even when names, dates, or amounts differ.
Multi-Source Recon
No need to jump tabs. Reconcile across multiple sources, currencies, and accounts in a single view.
Partner Commission Management
Calculate partner commissions accurately with automated fee settings and clearing file generation.
Data Enrichment Suite
Clean, categorize, and enhance SME transaction data with AI to unlock smarter finance and personalized experiences.
Auto-Categorization
Our AI classifies tansactions with precision, reducing manual effort and improving reporting.
Behavioral Insights
Spot spending patterns, cashflow trends, and suspicious activities to support proactive decision-making.
Structured Data for AI
Get enriched, consistent data to downstream tools like dashboards, reconciliation, and credit engines.
SME Apps & Admin Portal
Get beautiful, intuitive interfaces for every stakeholder to deliver premium experiences - right out of the box.
Mobile Apps
iOS and Android apps offering all SME banking and financial services.
Web Portal
Full service online access for SMEs, with dashboards and analytics.
Admin Portal
Tools for customer support, compliance and real-time monitoring.
Fuel for Smart Automation
XFIN AI
Bring intelligence, automation, and deep efficiency to every facet of SME banking and finance with cutting-edge, purpose-built AI tools.
Reconciliation AI
Instant, automated reconciliation across accounts - with anomaly detection and exception management.
Credit Decisioning AI
Instantly assess eligibility and risk from regular & alternate data sources for SME lending.
Forecasting AI
Predicts cash needs, highlights risks, and suggests actions for healthy finances.
Data Enrich AI
Transform unstructured financial data into actionable, structured insights - with intelligent categorization.
Collections AI
Automate invoice and payment collections with intelligence and customer profiling.
We serve the SME Finance Ecosystem.
It’s a power shift.
So whether you're a bank, a challenger bank, or a bold fintech, XFIN equips you with everything to win in today’s AI-powered economy.
AI Automation
We embed AI into the core of every workflow, so SMEs can spend less time on admin and more time growing.
Beyond Banking
Going beyond traditional digital banking, XFIN delivers the tools modern SMEs actually need in their financial journey.
Localisation
We’re deeply local, from compliance to currency support - for SMEs across Africa and the Gulf.
Rapid Launch
Everything from web, apps, admin works seamlessly from day one, with rapid AI releases that keeps up with the market.
AI Compliance
Stay ahead of regulatory demands and protect your business and customers with AI risk management, to get an edge.
White Labeled
Your brand leads the way. We adapt to your workflows so you retain full ownership of the experience and relationships.
News & articles
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What they say about us
"Launching a startup-focused neobank in weeks. We got 25+ features, with AI, out of the box."
"We cut reconciliation time by 90% with AI matching - and stopped losing revenue."
Lead with AI
The SME economy is rising and this is your time to build the future of SME finance.
Our team is here to guide you - from first conversation to full launch.