XiWire

Crypto payment infrastructure for trading businesses

A self-hosted crypto payment gateway for forex brokers and high-risk merchants.

Pre-Seed Round·$750K·15% equity
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XiWire

Crypto payment infrastructure for trading businesses

A self-hosted crypto payment gateway for forex brokers and high-risk merchants.

Pre-Seed Round·$750K·15% equity
XiWire· Investor deck · Confidential
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The problem

Trading businesses cannot get paid.

700+ forex brokers, thousands of prop firms, and an entire high-risk merchant economy all share one failure: every payment option open to them is broken.

Card processors
De-bank trading merchants. 2.5–5% fees, rolling reserves, endless chargebacks.
Building in-house
A year of specialist wallet engineering, and the security and compliance risk never ends.
Generic crypto gateways
Custodial third parties that take the funds, the data, and the customer relationship.
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The solution

One gateway. Every crypto rail.

XiWire gives a broker crypto deposits and withdrawals through a single API, wallets, sweeps, fees and compliance handled, with no blockchain expertise required.

Multi-chain
Bitcoin, Ethereum and TRON, 20+ assets including USDT and USDC.
API-first
REST API, signed webhooks, idempotency keys, sandbox. Integrate in days.
Self-custody
Funds, data and branding stay with the broker, not a third-party processor.
Built for brokers
Designed around forex and prop-trading workflows from day one.
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The product

Built, not promised.

The platform is built and the monetization layer is coded. Capital accelerates go-to-market, not core engineering.

Wallet infrastructure
HD wallets across 3 chains
Invoice & deposit engine
Address per end-user
Withdrawals & sweeps
Just-in-time, automated
Fee & ledger engine
Double-entry, tiered fees
KYC & compliance
Verification + audit trail
Developer API
Webhooks + sandbox shipped
Live
Production-grade platform
3
Blockchains supported
20+
Crypto assets
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Market

A fee pool worth hundreds of millions.

TAM
$350M
Annual fee pool, ~$50B/yr of crypto-routed deposits + withdrawals at a ~0.7% take rate.
SAM
$90M
Crypto-friendly jurisdictions and the verticals XiWire supports today.
SOM
$12M
Year-3 base case, roughly 3% of the fee pool.

XiWire’s revenue is a take rate on payment volume, so the market is best sized as the fee pool it can capture, and that pool grows with every vertical beyond forex.

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Business model

A take rate on every transaction.

XiWire earns like a payment processor, a percentage of every deposit and every withdrawal. The broker pays; revenue recurs and scales with their volume.

Core engine
Transaction fees
Tiered 1.0% → 0.5%, charged on deposits and withdrawals.
Secondary
Onboarding fees
One-time setup charge per broker; qualifies serious clients.
Margin levers
Network fee + licensing
Dormant gas pass-through, plus self-hosted enterprise licensing.

Charging both sides of the flow roughly doubles revenue per client versus a deposit-only processor, and is still cheaper than the bank wires brokers pay on payouts today.

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Pricing

Tiered fees and a full discount toolkit.

Transaction sizeDeposit feeWithdrawal fee
$0 – $10,0001.00%1.00%
$10,000 – $50,0000.75%0.75%
$50,000+0.50%0.50%

Volume tiers step down automatically. On top of that: per-client negotiated rates and time-boxed promotional discounts, all admin-controlled, no code changes. Sales can discount tactically without ever touching the floor of a 90%+ gross margin.

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Financial model

$1.0M → $4.6M → $12.2M ARR in 36 months.

YearClientsVolume / moConservativeBaseStretch
Year 1~12$12M$0.7M$1.0M$1.5M
Year 2~45$55M$2.9M$4.6M$6.7M
Year 3~110$145M$7.6M$12.2M$19.3M

Revenue ≈ blended take rate (~0.7%) × total payment volume. Illustrative projections with stated assumptions. The conservative line alone still supports the raise.

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Unit economics

High-margin, fast cash, strong leverage.

>90%
Gross margin
~0.7%
Blended take rate
Hours
Cash conversion
Stablecoin
Revenue currency
Costs are near-fixed
Gas is a small fixed cost per transaction; RPC and infra are fixed. No percentage cost scales with revenue.
Margin improves with size
A 1% fee on a $5,000 deposit earns $50 against ~$1–3 of gas. Larger transactions only widen the gap.
No receivables
Fees settle in liquid stablecoins within hours, no card-processor hold periods or 30-day terms.
Operating leverage
Once fixed costs are covered, incremental volume is almost pure contribution margin.
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Growth plan

Distribution is the asset.

The fee engine is vertical-agnostic. Growth is a distribution problem, and XiWire starts with a channel.

Brokeret channel
Warm introductions into an existing forex-broker network, the fastest path to the first cohort.
Vertical expansion
Prop firms, iGaming, marketplaces, high-risk e-commerce, all monetize identically, with no new code.
Land & expand
Revenue grows automatically as each client’s volume grows. Retention with zero upsell motion.
Partnerships
Introducing brokers, broker-tech vendors and white-label resellers extend reach beyond direct sales.
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Competition

Purpose-built for the gap.

DimensionXiWireCard processorsCrypto gateways
Approves trading / high-riskBuilt for itOff-boardedVaries
Effective fee0.5 – 1.0%2.5 – 5%+0.5 – 1%+
ChargebacksNoneHighNone
Custody & dataStays with brokerN/AHeld by processor
SettlementMinutes–hoursT+2 to T+7Varies
White-labelIncludedNoRare

Card processors reject this market. Generic gateways take custody and the customer. XiWire is the only option built around the broker.

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Roadmap

From built platform to category position.

Now
Platform built, monetization layer coded, API and sandbox shipped.
Quarter 1
First broker cohort via Brokeret; compliance and licensing groundwork.
Quarters 2–3
Scale to ~12 clients; broker dashboards; more chains and assets.
Year 2
Vertical expansion into prop and iGaming; ~45 clients; network-fee lever live.
Year 3
~110 clients; enterprise self-hosted licensing tier.
Beyond
Series A into continued growth, or strategic acquisition.
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Team

Backed by a decade of broker technology.

XiWire is built inside Brokeret, bringing both deep broker-tech expertise and a ready distribution channel.

Founding team, Brokeret
8+ years building broker technology: CRMs, IB systems and MetaTrader tooling for the forex industry.
Backed by Brokeret
An existing forex-CRM business, the distribution channel and the source of the first clients.
Hire #1, post-raise
Senior backend / blockchain engineer to harden the platform and add chains.
Hire #2, post-raise
Head of broker partnerships to convert the Brokeret channel into signed clients.
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Risks · honest list

What could go wrong, and the mitigation.

Regulatory tightening
Multi-jurisdiction footprint; stablecoin focus; the broker holds the end-user relationship and KYC.
Crowded gateway market
Self-custody model + broker-native design + the Brokeret channel, none copyable by a price cut.
Slow client acquisition
Brokeret warm channel plus self-serve onboarding; conservative case still supports the raise.
Gas-cost spikes
TRON-first routing; the network-fee pass-through lever is built and ready to activate.
Security & custody
HD wallet architecture, encrypted keys, wallet-security audits and penetration testing.
Key-person concentration
First hires de-risk operations; a documentation-first engineering culture.
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Use of $750K

18 months of runway to a Series-A base.

35%
$263K
Engineering & product
25%
$187K
Sales & partnerships
20%
$150K
Compliance & licensing
12%
$90K
Infrastructure & security
8%
$60K
Operations & reserve
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The ask

$750K pre-seed for 15% equity.

Raising
$750,000
SAFE or priced equity
Valuation
$4.25M
pre-money · 15% equity
Illustrative return
8 – 12×
36 months · base case

The product is built; the round funds go-to-market and compliance. We favour partners who bring broker, IB or fintech distribution alongside capital. Reach us via the contact page on xiwire.com.

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