Banking Reimagined
One account. Two modes. Private and business banking with multi-currency wallets, VISA cards, crypto staking, and Move-to-Earn rewards.
Private & Business Banking
One account. Two modes. Switch between your personal wallet and a full business banking suite with invoicing, payroll, FX, and fleet management.
Private Account
Business Account
KYC Built In — Not Bolted On
EXPI runs its own identity verification layer. Every user is KYC-verified before accessing financial features — biometric facial check, document scan, and liveness test, all completed in-app in under 2 minutes. No separate app, no delays.
Biometric Facial Verification
AI-powered liveness detection using continuous facial recognition. Zero-knowledge on-device processing — your biometric data never leaves your phone.
Government ID Document Scan
Passport, national ID, or driver's licence. Automated document authenticity checks with anti-tampering detection and cross-border ID support.
Continuous Compliance Monitoring
KYC is not a one-time event. EXPI monitors user risk scores continuously, re-verifies when thresholds are triggered, and maintains a full audit trail.
KYC Verification Flow
Verification Tiers
Basic
Email + phone. Access to wallet and EXPI earning.
Standard
Biometric + government ID. Full banking access.
Enhanced
Full KYC + address + source of funds. Unlimited access.
Bank-Grade Security. SaaS Scalability.
EXPI is built as a SaaS platform from the ground up — meaning every security feature, compliance module, and API endpoint scales horizontally. A single integration gives any business access to the same security infrastructure used by the world's largest financial institutions.
Post-Quantum Cryptography
NIST-approved Falcon signature scheme protects all transactions and user data against both current and future quantum attacks.
Continuous Biometric Auth
HAVEN biometric system performs passive continuous verification during sessions — not just at login. Spoofing and account takeover are blocked in real time.
Zero-Knowledge On-Device Storage
Biometric templates are processed and stored on-device only. No biometric data is ever transmitted to EXPI servers — privacy by architecture.
API-First Security Model
Every API endpoint requires OAuth 2.0 token auth, IP allow-listing, and per-scope permissions. B2B partners only ever access the data they need.
Real-Time Fraud Detection
ML-powered transaction monitoring flags anomalous behaviour instantly. Suspicious activity is blocked and reviewed before settlement completes.
Multi-Region Infrastructure
EXPI runs on geo-distributed cloud infrastructure with automatic failover. 99.99% uptime SLA across all financial services — critical for global operations.
8 Currencies. One Wallet.
Powered by CurrencyCloud, EXPI users hold USD, EUR, GBP, AED, CHF and more — each with its own global IBAN from day one. Send and receive worldwide, switch between currencies instantly, and issue virtual or physical VISA cards linked to any currency account.
Powered by CurrencyCloud — real-time FX rates, no hidden fees.
EXPR Coin, Staking & Crypto Portfolio
EXPI users have a full crypto portfolio embedded in their banking app. Hold EXPR Token, MATIC, ETH, and BTC. Stake EXPI at 15% APY — with rewards paid every few hours. Bridge, swap, and earn — all without leaving the app.
Move-to-Earn & Rewards Marketplace
EXPI users earn EXPR tokens by moving — steps, trips, referrals. Those tokens are redeemable in the marketplace for real-world experiences: hotel stays, safaris, Tesla day passes, staking boosts, and more.
How the Backend Works
EXPI doesn't hold a banking licence — and that's a feature, not a limitation. Through Banking-as-a-Service (BaaS), every function is powered by regulated institutional partners, keeping capital requirements 75% lower than a licensed bank.
BaaS Core — Mercury Tech Bank
Regulated banking infrastructure. Holds the licence. EXPI builds the product layer on top.
Card Issuance — Visa
Global card network. Consumer and business VISA cards issued instantly.
Payment Rails — Mastercard
Cross-border payments and settlement infrastructure.
FX Liquidity — CurrencyCloud
Multi-currency wallets, real-time FX rates, and embedded finance liquidity.
API-First Architecture — REST / Webhooks
Every feature exposed as a REST API — enabling B2B clients to embed EXPI capabilities.
Blockchain Layer — EVM-Compatible
EXPR Coin on an EVM-compatible chain. Buy, sell, stake, swap, bridge.
Multiple Revenue Streams from One Platform