Corporate crypto treasury. See the whole picture.
Hold, convert and manage fiat, crypto and stablecoin balances around your business priorities.
Different balances. Different jobs.
| Balance purpose | Policy question | Connected product |
|---|---|---|
| Operating balances | Receipts, payments and near-term obligations | Business account |
| Digital asset holdings | Approved asset exposure and controlled movement | Business custody |
| Eligible allocations | Selected balances allocated under product terms | Crypto Earn |
Illustrative treasury categories, not an allocation recommendation. Your company determines its own policy.
The policy comes first. The product follows.
Access needs, approved assets, counterparties and reporting requirements should guide each allocation.
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Access
When does the business need the balance back?
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Risk
Which assets and product risks does your policy permit?
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Authority
Who can approve an allocation or movement?
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Reporting
What does finance need to review and reconcile?
Hold → Convert → Allocate → Review
Bring supported fiat, crypto and stablecoin balances into one operating view. Review the terms of each product and keep the transaction record alongside the decision.
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Give each balance a clear purpose.
Name Virtual Wallets to group balances, transactions and reporting. The web app generates reference IDs; Client API integrations can supply their own and connect supported deposit, withdrawal and OTC functions.
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Keep the obligation in the picture.
Outstanding credit reduces movable own funds across currencies. Plan operating liquidity around that restriction, and keep separate eMoney balances outside the XBO account view.
Questions for finance and treasury.
Details for your next decision.
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What does corporate crypto treasury cover?
It covers how a business holds, converts, governs, reports on and allocates fiat and digital assets. Within XBO, this can involve the business account, Virtual Wallets, custody, spot trading, OTC conversion and eligible Earn products.
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How can we organise balances by purpose?
Virtual Wallets group account balances and transactions under your own references. They support operational reporting without implying separate on-chain custody.
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Do we have to use Earn?
No. Earn is an optional allocation for eligible balances. Review the asset, rate, redemption conditions and counterparty risks against your treasury policy.
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How does credit affect available funds?
Outstanding credit obligations reduce movable own funds across currencies. This can affect withdrawals and internal movements beyond the asset bought using credit. Settlement releases the corresponding restriction.
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Is eMoney included in this operating view?
eMoney is a separate fiat workspace. Its balances, permissions and transfers are managed separately from the XBO platform.
Explore what else your business can do with crypto.
Explore the services that work alongside this one.
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Business Crypto Custody
Hold supported digital assets with controlled access, clear approvals and visibility across your business.
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Crypto Earn for Business
Put eligible crypto balances to work with fixed, flexible or bonded terms. Review rates and access before allocating.
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Crypto Liquidity
Access XBO’s spot order book across 200+ crypto trading pairs, with API connectivity and controls for your trading operation.
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Virtual IBANs
Use dedicated account details to fund your own XBO balance in supported EUR, USD and GBP routes.
Put your treasury plan into motion.
Tell us how your business holds, uses and allocates capital. We will help connect the right capabilities.
