Startupx Products
Decentralized Multichain Bank
The BitX Bank is a decentralized banking platform that provides a comprehensive infrastructure for financial operations within the crypto universe. Built on smart contracts, BitX operates without intermediaries, ensuring autonomy, security, and transparency across all processes, from managing digital assets to utilizing services such as collateralized loans, smart custody, access to DeFi liquidity, and tokenized asset management.
Integrated with major blockchains and supporting a wide range of cryptocurrencies, BitX Bank serves as a multichain financial hub where individual users, protocols, and corporations can access tools to enhance their strategies for asset management, investment, capital allocation, and global payments—while maintaining full control over their resources.
Products and Technical Features
1. Decentralized Collateralized Loans: Offers automated collateral management for secure, trustless lending and borrowing using crypto assets.
2. Smart Vaults: Provides secure on-chain custody of crypto assets with complete traceability and user-controlled access.
3. Multichain Liquidity: Supports cryptocurrencies, tokens, and stablecoins across leading blockchain networks for seamless transactions.
4. Risk and Position Dashboard: Delivers real-time collateralization ratio calculations and financial health alerts for informed decision-making.
5. Integrated Oracles: Supplies real-time market prices and data to ensure accurate and up-to-date financial operations.
6. Integration with DeFi Protocols: Connects with Decentralized Finance (DeFi) protocols, which are blockchain-based applications enabling peer-to-peer financial services like lending, borrowing, and trading without intermediaries. This allows BitX users to tap into decentralized liquidity pools and yield farming opportunities.
7. Integration with Xstocks Platforms: Enables interaction with Xstocks, platforms that offer tokenized stocks—digital representations of traditional equities or assets on the blockchain. This feature allows users to trade and manage tokenized assets with enhanced liquidity and transparency.
8. Decentralized Payment Platform: Facilitates high-throughput payment systems capable of processing thousands of transactions per second, integrating crypto payments with instant conversion to USD or local currencies, ensuring fast and cost-effective global transfers.
9. Modular and Scalable Architecture: Designed for seamless integration with other StartupX products, ensuring flexibility and future-proof scalability.
The XPay Wallet is a high-performance digital wallet designed to provide maximum control, security, and connectivity within the blockchain ecosystem. Built on principles of decentralization and modularity, it combines cutting-edge technology with a focus on protecting assets and digital identity.
Intelligent Security Layer
Customized seed with enhanced protection enables the creation of seed phrases with an additional security layer. Accessing the wallet requires two-factor authentication (2FA) whenever a new environment is detected, preventing intrusions even if the seed is compromised.
Whitelist of authorized devices and IPs restricts access to pre-approved devices. Login attempts from unfamiliar environments trigger automatic blocking or additional verification requests.
Adaptive identity validation offers an optional Know Your Customer (KYC) system based on multiple permission levels. This feature is essential for enabling financial products with specific compliance requirements without compromising user privacy.
Local encryption and autonomous recovery ensure private keys are never transmitted. Security is managed on the device itself, and wallet recovery is performed exclusively through the seed, without intermediary servers.
Modular Architecture and Strategic Features
True multi-chain compatibility provides native support for multiple blockchain networks—including Ethereum, BNB Smart Chain, Polygon, and Arbitrum—with unified management of cryptocurrencies and tokens, eliminating the need for separate wallets.
Direct purchase of cryptocurrencies and tokens through integration with smart contracts and payment services allows quick acquisition of crypto assets using USDT, BNB, ETH, and other currencies, leveraging oracles for accurate and transparent pricing.
Dynamic control panel offers a clear view of balance, transactions, history, verification status, and available financial products, updated in real time.
Intelligent flow protection layer monitors usage behavior, applying dynamic security policies based on context, location, and access frequency.
Technical Differentiators of XPay
Mandatory 2FA authentication for advanced seeds, phishing protection through blocking unverified tokens, dynamic QR code for payments and requests, integration with staking, marketplace, and investment modules, and automatic security updates without data loss.
Benefits of tokenizing
Tokenization converts assets, rights or holdings into digital representations registered on the blockchain. This process enables the secure and auditable circulation of these elements, allowing fundraising, agile negotiation and structuring without the bureaucracy of the conventional centralized system, especially useful for companies looking for alternatives to the traditional financial system.
