How Ketto went from bank deadlines to minute-long settlements with Xflow
Faster settlements, instant compliance documentation, and FX rates with zero guesswork.
50%
Savings in FX costs
Zero
Hidden charges
10/10
Rated customer support
Use case
Ketto receives international funds regularly as part of its crowdfunding operations. Managing these inward remittances efficiently from settlement speed to compliance documentation like FIRC is critical for the finance team. As transaction volumes grew, the manual, time-sensitive nature of the existing banking process became a bottleneck that needed to be resolved.
Problem summary
Before Xflow, Ketto relied on traditional banking channels to manage international remittances. The process was largely manual invoices had to be printed, formalities completed, and fund transfers had to be initiated before a strict 2pm bank cutoff to ensure same-day settlement. Missing that window meant delays and disrupted cash flow planning.
Why Xflow
Ketto, turned to Xflow looking for a faster, more transparent, and self-sufficient way to manage international receipts. The difference was immediate. With Xflow, funds uploaded by 12pm were ready for withdrawal within 7 minutes! No manual steps, no dependencies and no cutoff anxiety. The entire process, from invoice upload to settlement, became fully automated and available on demand, giving the finance team the flexibility to act whenever needed rather than planning around bank windows.
Results
With Xflow, Ketto's finance team moved from a reactive, time-bound process to one that is fully in their control. Settlements are faster, compliance documentation is instant, and FX outcomes are predictable. The operational burden of managing international remittances has dropped significantly, freeing up the team to focus on higher-value work rather than chasing banks and monitoring cutoff windows.
Impact on Ketto's business
Faster settlements
Funds ready for withdrawal within minutes of invoice upload
Instant FIRA access
Downloaded in one click, eliminating follow-ups and compliance delays
Full FX transparency
A consistent margin with no negotiation, so you always know exactly what you'll receive
Complete automation
No manual steps, no dependencies, no need to plan transactions in advance
"It's not just about the rates, it's about the experience. Everything is automated, FIRA is instant, and you know exactly what you're going to get. If you're still doing things manually, just onboard Xflow and you're done."
Neha Chauhan, Vice President of Finance at Ketto
Ready to simplify your international payments?
Thousdands of companies have already reduced payment costs and grown their international business with Xflow. Join them today!
