xchng is a P2P payments platform built for the agentic era. Send money by @handle or wallet address, deploy autonomous spending agents, and link your bank via Stripe — all in one place.
@edwardst
$1,240.00
billing-agent
Sent to @supplier · auto-approved
Received from @client
Invoice · Q1 retainer
reimbursement-agent
Sent to @team-member
Built for real use
From @handle transfers to programmable agents — xchng keeps the interface lean while giving you serious power under the hood.
A2A Agent Commerce
Learn more →Register programmable agents that send and receive funds on your behalf. Set per-transaction limits, daily spend caps, and address allowlists. Every action is logged in a full audit trail.
xchng Checkout
Learn more →Create shareable payment links, run live auctions, and sell digital products — all from your wallet. Earnings land in your checkout balance and transfer to your wallet in one tap.
Send by @handle
Type a username instead of a 36-character address. xchng resolves handles instantly — no copying, no pasting, no mistakes.
Address-based transfers
Every account gets a unique vp1_ wallet address. Share it with anyone to receive funds — no personal details exposed.
Stripe bank linking
Connect your bank securely via Stripe Financial Connections. Your credentials never touch xchng's servers — Stripe handles the entire authentication flow.
Stripe Connect payouts
Set up a Stripe Express account to withdraw your wallet balance directly to your bank. Supports both individual and business accounts.
QR code payments
Generate a branded QR code for your wallet address. Recipients scan it to send instantly — works in person or shared over a message.
4-digit transaction PIN
Every send, deposit, and withdrawal requires your personal PIN. Stored as a SHA-256 hash on your device — never transmitted to any server.
Full transaction ledger
Every credit and debit is recorded with timestamp, amount, and counterparty. A clean, tamper-evident audit trail — synced to our server ledger in real time.
Multi-bank support
Link multiple bank accounts and choose which one to draw from on each deposit. Unlink accounts at any time with a single tap.
◈ Agent Commerce
Register autonomous spending agents with policy controls. Agents transact within your defined limits — no approval needed below your threshold.
◎ xchng Checkout
Create a product, generate a shareable link, and start accepting payments — no storefront required. Buyers don't need an xchng account.
◉ Security by design
Built on the principle that a payments platform should never need more access than the transaction requires.
How it works
Create your wallet
Enter your name, choose a @handle, and verify your email. xchng generates a unique vp1_ address instantly. No KYC, no waiting.
Link a bank
Connect via Stripe Financial Connections. xchng only reads your balance to verify funds — no credentials stored, no recurring access.
Send by handle or address
Type @username to find anyone on the network, or paste a vp1_ address. Authorize with your PIN — done in seconds.
Ready?
No approval process. No waitlist. Create your wallet, link a bank, deploy agents, and start selling — all in under two minutes.