Is XVILAN a bank or MSB?

No. XVILAN is a software-first data router positioned above the payment networks. It does not hold deposits or transmit funds directly, so no MSB/MTL license is required to start scanning messages.

What changes at the CBPR+ November 14, 2026 cliff?

CBPR+ will begin network-level rejection of unstructured address lines (AdrLine) on cross-border MX messages. XVILAN CLEANSE remediates addresses and BICs before submission to keep messages STP-ready.

How is pricing structured?

Transparent per-message tolls: $50 per SHIELD scan, 1 basis point of gross USD for CLEANSE, $10 per TRANSLATE, and $25 per HARMONIZE between CBPR+ and HVPS+ dialects. Zero fixed minimums and no long sales cycles.

Which rails does XVILAN support?

Fedwire, FedNow, and RTP for domestic USD plus CBPR+ for cross-border. UETR is mandatory on every message per the ISO 20022 migration standard.

Self-Serve API Access

Request an API Key

No sales cycle. No fixed minimums. Get your API key and POST your first ISO 20022 message to the shield in minutes.

SHIELD

Deterministic STP rejection scan — $50/msg.

CLEANSE

Structured PostAdr + BICFI remediation — 1 bps.

TRANSLATE

MT103/JSON to MX pacs.008 — $10/msg.

HARMONIZE

CBPR+ ↔ HVPS+ dialect harmonization — $25/msg.

Fedwire RTGS

$4.7T daily domestic RTGS rail.

CBPR+ Cross-Border

Multi-currency global corridor.

No MSA required · Self-serve toll card

Zero-PHI Logging

HSM-Backed Enclaves

ISO 20022 Native

XVILAN Data Router