Xend Finance is a fintech company based in Nigeria, offering a payment platform that allows users to send money, pay bills, and make transfers both online and offline. It provides cryptocurrency banking services, enabling users to convert local currency into stable cryptocurrencies and earn interest on savings[1][3]. The company targets businesses and individuals seeking seamless payment solutions. Its unique selling proposition is the ability to operate with or without internet connectivity, making it accessible in areas with limited connectivity[1][3]. Xend Finance also supports Web3 infrastructure and offers a cryptocurrency token, RWA, for various financial applications[4].