? DeFi-First Architecture
SpendXPay operates on decentralized infrastructure, giving users full control over their funds with non-custodial security and blockchain transparency.

? Crypto-Powered Debit Card
Use your SpendXPay debit card to make instant online payments anywhere debit cards are accepted—powered by real-time crypto settlement.

⚡ Instant Crypto-to-Payment Conversion
Seamlessly convert supported cryptocurrencies into fiat at the time of payment with competitive rates and minimal fees.

? Global & Borderless Payments
No banks, no borders. SpendXPay works worldwide, enabling cross-border transactions without hidden charges or currency restrictions.

? Online Payments & Subscriptions
Pay for SaaS tools, streaming services, e-commerce platforms, and digital products directly using crypto.

?️ Advanced Security & Compliance
Built with industry-grade encryption, smart-contract security, fraud monitoring, and optional KYC layers to ensure safe and compliant transactions.

? Smart Wallet & Transaction Dashboard
Track spending, manage wallets, view transaction history, and control card usage through an intuitive dashboard.