Case Study: How XBO.com Replaced a CFD Broker's Payment Stack and Lifted Approvals by 30%
50,000+ active traders across Europe, Asia, and LATAM. A complex web of payment service providers. And a growing list of problems that kept getting harder to ignore.
This is the story of a CFD broker that came to XBO.com with a familiar set of challenges and left with a fundamentally different payment operation.
What wasn't working
The broker's existing setup was built on card payments and a patchwork of PSPs. On paper, it worked. In practice, it was creating problems at every level:
- • High card decline rates were blocking deposits before traders could even fund their accounts
- • Fragmented PSP landscape meant juggling multiple providers for pay-ins and settlements, with no unified view
- • Slow fiat settlements delayed access to operating capital
- • Fraud and chargeback exposure added cost, risk, and operational overhead
The result: lost revenue, slower operations, and a payments infrastructure that couldn't keep up with the business.
What XBO.com built for them
XBO.com deployed a hybrid crypto-fiat payment stack that replaced the complexity with a single processing and settlement layer. Two components did the heavy lifting:
XBO Crypto Processing (trader deposits & withdrawals)
- • Deposits via stablecoins and major cryptocurrencies
- • Automatic conversion to stable assets to avoid market volatility
- • Instant trading account funding
- • Significantly higher approval rates compared to cards
- • Significantly reduced chargeback exposure
- • Instant crypto withdrawals - traders cash out directly to their wallets in minutes
Settlement & Fiat Conversion (PSP settlement and treasury)
- • Funds from multiple PSPs consolidated into XBO.com infrastructure in crypto
- • Automated crypto-to-fiat conversion
- • Direct settlement to the broker's bank account or EMI
Instead of managing a web of providers and manual processes, the broker got one unified layer handling everything from deposit to bank settlement.
The results
- • ~30% increase in successful deposit approvals, meaning fewer traders lost at the funding stage
- • Faster access to operating capital, with no more waiting on slow fiat settlement cycles
- • Reduced reliance on multiple PSPs, with fewer providers and less complexity
- • Simplified treasury and reconciliation, consolidated into a single system
This way, XBO.com became the broker's payments and settlement backbone, handling deposits, conversion, and bank settlements while improving liquidity control and operational efficiency.
Could your business benefit from the same setup?
Every payments infrastructure has friction. It could be decline rates, settlement speed, chargeback exposure, or just too many moving parts.
If any of this sounds familiar, it might be worth seeing what XBO.com's crypto processing can do for your business.
Speak with our team → [email protected]
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