About XSJ

Building the infrastructure for the future of global payments

Our Mission

Make cross-border payments as simple as local transfers. XSJ provides a secure, fast, and low-cost payment infrastructure for global users through an intelligent payment network. We believe that technology should serve the real economy, enabling value transfer to be more free, fair, and efficient.

Our Vision

To become the world's leading provider of digital payment infrastructure, connecting individuals, merchants, businesses, and institutions to establish a trustworthy new standard for cross-border settlements.

Our Core Values

Trust and Security: All payments are based on encryption and multi-factor verification mechanisms, ensuring transactions are traceable and compliant. Open and Collaborative: Supports mainstream stablecoins and fiat channels, compatible with multiple national clearing systems. Efficiency and Inclusiveness: Reduces the exorbitant fees and delays of traditional remittances to mere seconds.

Core Solutions

Our comprehensive suite of payment solutions designed for the modern global economy

1. XSJ Pay Global Payment System

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A cross-border payment platform for individuals and businesses, supporting multiple currencies, real-time settlement, and smart routing. Fast Arrival: Average arrival time of less than 10 seconds Low Fees: Approximately 90% lower than traditional remittance channels Transparent Tracking: Real-time status tracking for each transaction Global Coverage: Connected to clearing networks in over 60 countries and regions

2. XSJ Business Settlement System

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A one-stop cross-border settlement system designed for e-commerce, overseas enterprises, and B2B platforms. Supports bulk payments and reconciliation functions Provides merchant-level API access Integrates with third-party e-commerce platforms and global financial institutions

3. XSJ Remit Smart Remittance Service

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Provides individual users with low-threshold, instant cross-border remittance services. Supports conversion between common stablecoins and fiat currencies, and can be linked to bank accounts or digital wallets. Whether for family remittances, tuition payments, or overseas freelance settlements, XSJ makes the flow of funds simple and trustworthy.

Security & Compliance

XSJ adheres to the principle that "compliance is fundamental, and security is trust." The platform fully complies with anti-money laundering (AML) and know your customer (KYC) standards in various countries, and collaborates with licensed payment institutions across multiple nations to ensure that every transaction is conducted within a legal framework.

Multi-layer encryption technology protects user information

Distributed ledger technology ensures transactions are immutable.

Regular audits and security testing, keeping the system robust.

Every innovation at XSJ is based on compliance, with trust at its core.

Risk control models identify suspicious behaviour.

Our Team

Open collaboration to build and share a global loyalty network

NLGQ is committed to creating a multi-layered, multi-scenario global ecosystem that enables users, brands, and platforms to achieve true win-win outcomes. The ecological participants include:

Chief Executive Officer (CEO)

—— Richard Hayes

A UK fintech expert, formerly the Head of Digital Strategy at Barclays. With over 20 years of experience in international clearing and payments, he has led several global payment standardization projects. He specializes in the digital transformation of financial systems and innovations in cross-border payments.

Chief Technology Officer (CTO)

—— Emily Carter

A PhD in Computer Science from MIT and a former core technology engineer at Ripple Labs. She has extensive research achievements in distributed clearing architecture and payment channel optimization, and has participated in technical consulting for central bank digital currency (CBDC) pilot projects in multiple countries.

Chief Operating Officer (COO)

—— Alexander Müller

A German financial operations expert, formerly the Head of Global Settlements at Deutsche Bank. He led the establishment of a European multilateral clearing system and was responsible for XSJ's global operations, strategic partnerships, and regional expansion.

Chief Risk Officer (CRO)

—— Sarah Thompson

An MBA in Finance from Columbia University and a former Director of Risk Management at Visa. She has extensive experience in international regulatory compliance and anti-money laundering (AML) system development, and is currently responsible for implementing XSJ's comprehensive security, compliance, and risk management strategies.

Chief Marketing Officer (CMO)

—— David Laurent

A French marketing strategy consultant, formerly the Brand Director for Europe at Mastercard. He is responsible for XSJ's brand strategy, market communication, and international partnership development.

Compliance and Advisory Board

Dr. Laura Bennett

Professor at the London School of Economics (LSE), focusing on international payment regulatory policy.

John Peterson:

Former advisor on payment systems at the European Central Bank, currently a regulatory consultant for XSJ.

Sophia Lindholm:

Founder of Nordic Payment Network, expert in cross-border settlement ecosystems.

Partners

XSJ has established partnerships with multiple international financial institutions, payment gateways, and e-commerce platforms, including regional clearing networks, cross-border wallet service providers, and compliance auditing agencies.

Road map

Q4 2025

Complete the deployment of major payment nodes in the Asia-Pacific and Europe, and initiate enterprise settlement API testing.

Q1 2026

Launch localised payment interfaces in multiple countries, expanding into the North American and Middle Eastern markets.

Q3 2026

Introduce an AI-based risk control transaction monitoring system to enhance intelligent auditing and compliance capabilities.

2027 and beyond

Build a global distributed clearing network to achieve instant value circulation across chains, countries, and assets.