Xflow, a rapidly growing cross-border payments platform, has received In-Principle Authorisation from the Reserve Bank of India (RBI) to operate as an online payment aggregator for cross-border (PA-CB) transactions. This regulatory approval marks a significant milestone in the company’s journey to become a full-stack enabler of seamless global money movement for Indian businesses.
The in-principle approval covers both export and import flows, allowing Xflow to offer end-to-end support across the spectrum of cross-border financial operations. The platform is now poised to further streamline international payments, currency conversion, and compliance workflows for Indian enterprises engaging in global trade.
“This RBI nod is a critical step forward and a strong validation of our mission,” said Anand Balaji, Co-founder and Chief Executive Officer of Xflow. “With this authorisation, we’re better positioned than ever to simplify and scale cross-border transactions for Indian businesses—supporting both outbound and inbound payments in a fully compliant manner.”
He added, “This milestone strengthens the trust that over 10,000 businesses have already placed in us. We aim to expand that number to 30,000 businesses by the end of this year.”
The announcement comes on the heels of Xflow’s recent product innovation—the launch of FX AI Analyst, an AI-powered tool built to help businesses monitor USD/INR currency trends, make informed forex decisions, and maximise earnings on each conversion. The company claims it to be India’s first AI-driven tool in the cross-border payment space designed specifically for SMBs and exporters.
Founded with the vision to make international money movement as effortless as domestic payments, Xflow has gained early traction in India’s fintech ecosystem and is backed by marquee global investors, including Lightspeed, General Catalyst, Moore Strategic Ventures, and Stripe.
This regulatory development further enhances Xflow’s positioning as a trusted, scalable, and technology-first partner for Indian businesses looking to expand their global reach—especially amid growing demand for efficient cross-border fintech solutions.
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