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By TheXBank
TheXBank is a regulated Czech-based fintech platform specializing in global payment card solutions and cross-border payments, seamlessly bridging crypto and fiat to enable individuals and businesses to securely spend and manage digital assets worldwide.
TheXBanky s.r.o. is expanding its regulated fintech platform with Stellar-powered capabilities and global payment solutions:
Global Payment Cards – Virtual and physical Visa/Mastercard options (Apple Pay compatible), including premium metal/gold editions. Competitive FX rates, low authorization fees, and usability in 200+ countries for online, in-store, and ATM withdrawals.
Cross-Border Payments & Local Payouts – Instant, low-cost transfers between crypto and fiat, with multi-currency IBAN accounts for SEPA/SWIFT settlements and same-day local currency payouts in key markets across EU, UK, US, LATAM, Africa, and Turkey.
Crypto-to-Fiat Conversion – Seamless on/off-ramp services using regulated liquidity partners (Binance/Kraken), now adding Stellar USDC and XLM to support deposits, swaps into 20+ fiat currencies, and same-day local payouts.
Card Funding & Direct Spend via Stellar – Stellar USDC top-ups to TheXBank cards for immediate spend, plus real-time XLM-to-fiat conversion at POS.
Cash In/Out via Pay Rails API – Integration with Pay Rails’ global payment network to extend jurisdiction coverage and introduce additional pay-in/pay-out options. Clients will be able to deposit or withdraw in local fiat or Stellar USDC through partner networks, enabling same-day access to funds in expanded regions, including underserved and emerging markets. MoneyGram is also among the payout rails under consideration, providing additional physical cash access points worldwide.
Business Solutions – Merchant settlement in crypto or fiat, custom corporate card programs, and API integrations for fintech and e-commerce platforms.
Maybe in the future, but not in this submission
$89.5K
1,500+ active users within the first year.
$1M+ monthly transaction volume processed via cards, payouts, and swaps.
500+ branded/white-label cards issued through partner API.
5+ Stellar ecosystem partners live with card or payout integration in the first year.
Cash-in/out available in 20+ countries via payment rails integration.
TheXBank enters the market as the global bridge between Stellar assets and real-world financial access — delivering same-day payouts in 20+ local currencies, instant card funding with Stellar USDC, and white-label card APIs for ecosystem partners.
By targeting regions where traditional banking remains limited yet mobile adoption is high, TheXBank differentiates itself as a real-use platform, not just another digital wallet. It connects crypto utility to modern finance — securely, compliantly, and globally.
Launch Sequence
1. Integrate & Activate
Enable Stellar XLM and USDC deposits, card top-ups, and instant local currency payouts — giving users immediate, practical liquidity from day one.
2. Partner API Activation
Launch TheXBank Card & Payout API, allowing Stellar ecosystem projects to offer co-branded or white-labeled Visa/Mastercards to their users without developing their own banking layer.
3. Targeted Market Rollout
Focus early expansion across EU, UK, LATAM, Africa, Turkey, and APAC, leveraging TheXBank’s unique advantage of local currency access and regulatory coverage to establish a first-mover presence in each region.
Channels That Matter
Partner-Led Growth
Position TheXBank API as the fastest integration route for Stellar projects seeking card and fiat functionality. Every partner integration becomes a new acquisition channel.
Regional Advocates
Collaborate with fintech influencers, local remittance operators, and business hubs to highlight key use cases — from freelancer payments to merchant settlements and borderless payouts.
Community-Driven Awareness
Stay deeply embedded in Stellar ecosystem discussions, developer hackathons, and fintech events, cementing TheXBank as the go-to provider for payment and card solutions across the network.
Value Messaging Per Segment
For End Users
💳 “Spend your Stellar assets anywhere — instantly, in your local currency.”
For Businesses
🏦 “Offer global payouts and card access without touching banking infrastructure.”
For Developers
🧠 “Integrate Stellar-based cards and payouts in weeks, not months.”
Tracking Early Wins
Instead of vanity metrics, TheXBank will focus on measurable adoption and impact:
Active Stellar-funded cards issued.
Transaction volume via ecosystem partner integrations.
Payouts completed under 24 hours by region.
Partner projects live on TheXBank Card API.
Scaling Beyond Launch
1. Mobile Expansion
Deploy the TheXBank Mobile App for onboarding, Stellar wallet management, card funding, and fiat access — giving users full control in one interface.
2. Payment Rails & Cash Access
Integrate Pay Rails and physical cash-in/out partners (e.g., MoneyGram) to extend reach into underbanked and cash-reliant regions.
3. Enterprise Integration Layer
Scale TheXBank API to support remittance operators, marketplaces, and payroll providers, extending beyond crypto-native ecosystems.
Brand Essence
TheXBank isn’t another exchange or fintech startup — it’s the regulated bridge between blockchain value and real-world money.
Where others focus on speculation, TheXBank focuses on usability, compliance, and global accessibility — connecting Stellar assets to everyday life.
Tranche 1 – Stellar Asset Integration & Card Utility (MVP)
Funding Request: $36,000
Milestone 1 — XLM & Stellar USDC Integration
Integrate Stellar assets (XLM & USDC) for deposits, withdrawals, and conversion to 20+ fiat currencies with same-day payouts.
Completion Metric: Successful end-to-end deposit, conversion, and local fiat withdrawal.
Duration: 2 weeks
Budget: $10,000
Milestone 2 — Card Funding via Stellar USDC
Enable Stellar USDC deposits to fund TXBFI Visa/Mastercards (virtual + physical, Apple Pay compatible).
Completion Metric: User funds a TXBFI card with Stellar USDC and completes a transaction.
Duration: 2 week
Budget: $20,000
Milestone 3 — QA, Compliance & Production Rollout
Finalize AML/KYC adjustments for Stellar assets, perform QA, and deploy production release.
Completion Metric: All Stellar transactions fully compliant and processed live.
Duration: 0.5 weeks
Budget: $6,000
Tranche 2 – Stellar Card API & Mobile App MVP
Funding Request: $40,000
Milestone 4 — Stellar Card API (for Ecosystem Partners)
Develop an API allowing Stellar-based projects to issue co-branded or white-labeled TXBFI Visa/Mastercards funded with Stellar USDC.
Completion Metric: Partner project successfully issues a card, funds with Stellar USDC, and executes a transaction.
Duration: 3 weeks
Budget: $20,000
Milestone 5 — Mobile App MVP (iOS + Android)
Develop mobile app enabling onboarding, KYC, Stellar wallet setup, card management, and fiat conversion.
Completion Metric: User completes KYC, activates Stellar wallet, funds card, and spends.
Duration: 4 weeks
Budget: $20,000
Tranche 3 – Mainnet & Partner Expansion
Funding Request: $13,500
Milestone 6 — Pay Rails API Integration
Integrate Pay Rails API to enable seamless Stellar USDC ↔️ fiat conversion and local payouts.
Completion Metric: Successful user deposit and withdrawal via supported payout rails.
Duration: 2.5 weeks
Budget: $13,500
Team:
Ali Arda Gülbahar – Founder and Chief Executive Officer (CEO)
I am a fintech entrepreneur with more than 6 years of experience in digital assets, cross-border payments, and blockchain integrations. I hold dual residency in the United Kingdom and Turkey and have led remote teams across Europe. As CEO of TheXBank, I am responsible for the company’s strategy, regulatory compliance oversight, and managing execution partner relationships.
Erdem Ozturk – Head of Compliance (Compliance Officer)
Mr. Ozturk is an experienced compliance professional specializing in AML/CFT, EU regulatory frameworks, and prudential risk management. With over 10 years of experience in financial services, he has worked in banking, digital payments, and crypto-asset compliance. At TheXBank, he is responsible for ensuring internal controls in line with MiCA, transaction reporting, and communication with regulatory authorities.
[Arunmozhi A] – Chief Technology Officer (CTO)
Arunmozhi serves as Chief Technology Officer at TheXBank, bringing more than 15 years of software development experience and 10 years of expertise in blockchain and payment solutions. He is responsible for the platform’s technical architecture, system security, and blockchain technology integration. His expertise includes smart contract development, scalable backend systems, and financial APIs, enabling TheXBank to deliver a secure, regulated, and high-performance product.
TheXBank team includes 1 dedicated compliance officer, 3 developers focused on building secure and scalable infrastructure, 1 marketing specialist managing outreach and growth, and 2 business development leads handling partnerships and expansion. Together, we’re building a seamless digital finance platform bridging crypto and fiat globally.
Ali Arda Gulbahar
By TheXBank
Tap Your Stellar Instantly and Globally