What's New at NetXD

LAWRENCE, Kan., (BUSINESS WIRE), NetXD, an innovative provider of cloud-native payment hub technology, today announced it has been positioned as a Visionary in the 2026 Gartner® Magic Quadrant™ for Banking Payment Hub Platforms, published on January 20, 2026.

NetXD's XD Payments platform delivers a modern, cloud-based, ISO 20022–compliant payment hub through SaaS and PaaS models. The platform enables financial institutions to outsource payment processing while maintaining configuration flexibility across individual payment rails.

XD Payments features an API-led architecture with an integrated real-time ledger, enabling financial institutions to support real-time payments without requiring a real-time core banking system. This design allows banks to modernize payment capabilities while preserving existing core banking infrastructure.

The platform supports stablecoin payments and includes complementary capabilities for minting, burning, and custody of digital assets, extending payment processing beyond traditional rails to address emerging payment methods.

Built for speed and operational efficiency, XD Payments enables banks to modernize payment infrastructure with reduced complexity while supporting both traditional and emerging payment methods.

“We believe our positioning as a Visionary reflects our focus on building a forward-looking, cloud-native payment platform that helps banks expand payment capabilities across real-time and digital asset–based rails with speed and confidence,” said Suresh Ramamurthi, CEO, NetXD.

Gartner Attribution and Disclaimer: Gartner, Magic Quadrant for Banking Payment Hub Platforms, 20 January 2026. Gartner does not endorse any vendor, product or service depicted in its research publications, and does not advise technology users to select only those vendors with the highest ratings or other designation. Gartner research publications consist of the opinions of Gartner's research organization and should not be construed as statements of fact. Gartner disclaims all warranties, expressed or implied, with respect to this research, including any warranties of merchantability or fitness for a particular purpose.

GARTNER is a registered trademark and service mark, and MAGIC QUADRANT is a registered trademark of Gartner, Inc. and/or its affiliates in the U.S. and internationally and are used herein with permission. All rights reserved.

About NetXD: NetXD delivers cloud-native payment hub solutions designed to help financial institutions modernize payment processing with agility and lower operational burden. The company's XD Payments platform supports both established and emerging payment methods, including real-time payments and stablecoin-based transactions. NetXD's mission is to transform financial operations across TradFi and digital asset ecosystems through AI-native programmable infrastructure that enables intelligent automation and autonomous execution at scale.

Contacts: To learn more about NetXD's solutions, please reach out to sales@netxd.com.

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LAWRENCE, Kan., (BUSINESS WIRE), NetXD, the financial-technology company powering banks and institutions across 10 countries, is excited to announce its full-stack infrastructure bridging traditional (TradFi) and decentralized finance (DeFi). The platform unifies its programmable ledger, global payments hub including stablecoins with a proof of reserve, bank-grade HD wallet (for self-custody), Large Action Model (LAM) and an AI engine allowing institutions to launch and manage tokenized products, move money safely, and streamline middle- and back-office workflows without replacing legacy cores.

The release follows the Senate's passage of the bipartisan GENIUS Act, the first U.S. regulatory framework for stablecoins, underscoring the market's need for fully collateralized, compliance-ready digital-asset infrastructure.

XD Ledger: Enterprise-grade, programmable, immutable ledger with smart contract support that runs as a sidecar core alongside existing infrastructure. Institutions can tokenize deposits and other digital assets, settle transactions in real time across both fiat and stablecoin rails and enforce Zero Trust, auditable governance, all without ripping out legacy systems.

XD Payments: A unified payments API that lets financial institutions move money through every major rail (ACH, Wires, RTP®, FedNow®, Visa Direct, Visa DPS Forward, Visa B2B Connect, and blockchain networks including stablecoins). Instead of juggling separate integrations and settlement rules, institutions route all payment types through one cloud-native platform with real-time tracking, automated compliance checks, and built-in FX.

XD AI: Transforms institutional operations by turning complex contracts and policies into executable workflows powered by our Large Action Model (LAM). We have expanded the TradFi capabilities to execute transactions across multiple blockchains and dApps including wallet creation, fund movement, payment execution and smart contract generation. Running on NetXD's programmable ledger, XD AI eliminates manual middle- and back-office work, enabling Zero Ops automation.

Enterprise HD Wallet Suite: Self-custodial wallet secured by Zero Trust architecture and hierarchical-deterministic key management to access multiple chains and tokens including stablecoins. NetXD's HD Wallet is further secured by asymmetric cryptography, enterprise-grade real-time risk controls and 360-degree review of all transactions, and protected by killswitches.

“NetXD makes innovation a profit engine as it should be,” said Suresh Ramamurthi, Chairman of NetXD. “By freeing institutions to deliver what customers want, when they want it, without messy integrations or the associated runaway costs.”

About NetXD: NetXD powers financial infrastructure for institutions deployed across 10 countries. Our programmable ledger acts as a real-time, interoperable sidecar to a bank's core system; supporting tokenized assets and enabling global payments across both fiat and crypto rails. NetXD's integrated platform combines advanced blockchain technology with its proprietary Large Action Model (LAM), an AI-powered system that automates middle- and back-office workflows by transforming institutional knowledge into smart contracts and executable actions.

Contacts: To learn more about NetXD's solutions, please reach out to sales@netxd.com.

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LAWRENCE, Kan., (BUSINESS WIRE), NetXD is excited to announce the expansion of its collaboration with Visa B2B Connect to onboard banks in Asia after successfully onboarding several banks across 8 countries in Europe and the Americas. NetXD's payments-as-a-service offering provides banks with several options to integrate to Visa B2B Connect. With NetXD's expertise, banks can go live more quickly, benefitting from a pre-certified integration and a strong track record of onboarding numerous banks across Europe and Latin America since 2020.

Visa B2B Connect is an innovative, multilateral network that builds on Visa's reputation and expertise, providing a predictable, secure, and cost-effective solution for financial institutions and their corporate clients. The solution offers banks an alternative to the traditional correspondent banking network to facilitate business-to-business cross-border payments.

Visa B2B Connect enhances the customer experience by providing predictability, finality, and transparency in transactions. It can reduce costs by eliminating intermediary fees, minimizing upfront investment, and lowering operational overhead. The platform ensures security and efficiency through screened participants, tokenization of sensitive information, and direct messaging for case resolution. Additionally, banks have the flexibility to utilize Visa or their own treasury for FX rates.

“Visa is committed to modernizing cross-border payments around the world and the collaboration with NetXD will help our clients start transacting on our network even faster. We are excited to kick off the collaboration in Asia Pacific with more markets to follow this year,” said Ben Ellis, Global Head of Visa B2B Connect at Visa. “Visa B2B Connect simplifies and speeds up transactions for banks and their clients, reducing costs for a more efficient and secure way to move money globally.”

NetXD has been a certified onboarding partner for Visa B2B Connect since 2020, with its hosted payments-as-a-service offering. NetXD's payments-as-a-service enables banks to get to market and transact in a matter of weeks without additional upfront investment to build or integrate existing messages to transfer to and from customer accounts. NetXD also offers the capability to screen transactions for all participants before submitting to Visa for processing.

“We are delighted to announce the expansion of our collaboration with Visa B2B Connect in APAC,” said Seshadri Rengarajan, Head of Platform and Strategy, NetXD Inc. “Visa B2B Connect is available in 118 countries and territories, and growing, and provides a cost-effective solution for banks to facilitate business-to-business cross-border payments. NetXD's solution enables banks to get onboarded in a short time with no technology change or integration.”

About NetXD: NetXD offers a programmable enterprise operating system that enables organizations to transform their operations, including back-office and middle-office functions. Banks can leverage NetXD's platform as a sidecar core that supports all major types of consumer and business bank accounts and embedded banking that can be paired with a payment hub with support for all major payment rails. Healthcare organizations can leverage NetXD's platform to automate claims adjudication and payment delivery processes rapidly. Digital Asset Native companies can leverage NetXD's general ledger.

Contacts: To learn more about NetXD's solutions, please reach out to sales@netxd.com.

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LAWRENCE, Kan., (BUSINESS WIRE), NetXD is now supporting live transactions on the Federal Reserve's instant payments rail, the FedNow Service. NetXD is certified to enable Send and Receive credit transfers as well as Receive RFP for financial institutions.

Financial institutions can use a single solution from NetXD to connect to the FedNow Service as well as the TCH RTP® network. Paired with NetXD's XD Ledger platform, the suite of solutions is designed to remove reconciliation bottlenecks, provide real-time fraud checks, and unlock 24/7 payments for financial institutions. Banks can instantly offer seamless, more secure payments to corporates, fintechs, and more, without costly core system changes. The solution is designed for speed to market, financial institutions can implement the NetXD solution and get onboard to the FedNow Service in just weeks.

“As a service provider of the FedNow Service, NetXD plays a critical role in supporting instant payment capabilities for a diverse range of financial institutions across the country,” said Nick Stanescu, Executive Vice President and Chief Executive of the FedNow Service. “This widespread reach brings us that much closer to our shared vision of a modern payment experience for all.”

“At NetXD, we are committed to enabling banks to launch exciting new use cases for their customers by unlocking the full potential of Instant Payments,” said Suresh Ramamurthi, Chairman, NetXD Inc. “Support for live transactions on the FedNow Service enables banks to use a single solution from NetXD to integrate with the FedNow Service and the TCH RTP® network. With NetXD, banks can focus on providing differentiated solutions for their customers while enjoying exceptional cost efficiency and streamlined operations.”

To support transaction activities for financial institutions participating in the FedNow Service, NetXD completed a multi-step customer testing and certification program. The FedNow Service network includes a diverse range of financial institutions and service providers across the U.S.

NetXD's XD Payments is a single platform designed to solve all payment modernization needs of banks. Payment channel connections include real-time payments with the FedNow Service and the RTP® network, traditional payment rails (ACH and Wire), cross-border B2B payments with Visa B2B Connect, card solutions with integration to the Pulse network, and bill payments with Mastercard RPPS.

About the FedNow Service: The Federal Reserve Banks developed the FedNow Service to facilitate nationwide reach of instant payment services by financial institutions, regardless of size or geographic location, around the clock, every day of the year. Through financial institutions participating in the FedNow Service, businesses and individuals can send and receive instant payments at any time of day, and recipients have full access to funds immediately.

Contacts: To learn more about NetXD's solutions, please reach out to sales@netxd.com.

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LAWRENCE, Kan., (BUSINESS WIRE), NetXD has achieved a significant milestone with its launch as a Third Party Service Provider (TPSP) for The Clearing House's (TCH) RTP® network. This marks the launch of one of the industry's first fully cloud-based solutions for the RTP network, empowering financial institutions with unmatched agility, scalability, and security.

NetXD's solution for the RTP network is set to remove reconciliation bottlenecks, provide real-time fraud checks, and unlock 24/7 payments for financial institutions. Leveraging NetXD's powerful Connector for the RTP network, programmable bank accounts with APIs, and real-time fraud controls, banks can instantly offer seamless, more secure payments to corporates, fintechs, and more, without costly core system changes. Banks can be up and running on our solution in about 12 weeks, maximizing operational efficiency and profitability with our flat-fee monthly model.

“We are happy to announce that NetXD is one of the first TPSPs to offer a fully cloud-based solution for the RTP network,” said Keith Gray, Vice President, Business Development at The Clearing House. “This cloud-based solution should help further accelerate the onboarding of new banks onto the RTP network, as we continue to grow our ecosystem.”

“At NetXD, we empower banks to unlock the full potential of Real-Time Payments for their customers, enabling them to tap into exciting new use cases,” said Suresh Ramamurthi, Chairman, NetXD Inc. “Our mission is to help banks seamlessly integrate with the RTP® network without per-transaction vendor fees, minimizing operational burdens and maximizing profitability. By partnering with NetXD, banks can focus on building innovative solutions for their customers while enjoying exceptional cost efficiency and streamlined operations.”

NetXD's XD Payments is a single platform designed to solve all payment modernization needs of banks. Payment channel connections include real-time payments with the RTP® network and FedNow®, traditional payment rails (ACH and Wire), cross-border B2B payments with Visa B2B Connect, card solutions with integration to the Pulse network, and bill payments with Mastercard RPPS.

About NetXD: NetXD provides a programmable bank operating system for FIs to transform their banking and payments experience. NetXD's platform can be deployed as a sidecar core that supports all major types of consumer and business bank accounts, embedded banking, and paired with a payment hub with support for all major payment rails.

Contacts: To learn more about NetXD's solutions, please reach out to sales@netxd.com.

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LAWRENCE, Kan., (BUSINESS WIRE), NetXD is excited to announce the launch of the world's first Enterprise Large Action Model (ELAM). XD ELAM is an AI studio that supports the rapid development of actionable applications on NetXD's XD Ledger, a programmable enterprise operating system.

XD ELAM leverages LLMs (Large Language Models) to understand user instructions and generates code to automate the execution of microservices and primitive actions. XD ELAM enables users to further validate and test the code and generate documentation as input into the enterprise testing and quality assurance process. After testing and validation, enterprises can leverage the code further secured by Zero Trust private key infrastructure, ensuring the highest levels of cyber security, lane controls and data protection.

Enterprises, including banks and healthcare companies, can leverage XD ELAM to automate back-office and middle-office operations in their drive toward Zero Ops. For front-office operations, enterprises can extend XD ELAM as a hyper-personalization tool for their customers, improving customer experience and reducing operational costs with the highest level of security ensured by NetXD's Zero Trust Architecture.

“Enterprises, especially banks of all sizes, must prioritize operational improvement and automation,” said Colin Kerr, research principal at Celent. “Conversational AI, powered by large action models to instruct banking activity, represents a step-change in intelligent automation. NetXD is in the forefront of transforming banking technology from the ground up.”

“I am pleased to join the board of NetXD in these exciting times,” said Pascal Boillat, Director of NetXD and ex-Group Executive, Enterprise Services and CIO of Commonwealth Bank of Australia and previously Group CIO of Deutsche Bank. “NetXD's platform for banks can be deployed as a sidecar core. With the Enterprise LAM capability, the platform provides an attractive opportunity for my industry colleagues to modernize their infrastructure, while reducing the complexity created by numerous legacy applications.”

“We are delighted to launch XD ELAM, the first Enterprise Large Action Model,” said Suresh Ramamurthi, Chairman, NetXD Inc. “This initiative exemplifies our dedication to enabling Zero Ops for our clients, secured by Zero Trust Architecture. XD ELAM will accelerate the use of AI in enterprises, including FIs, to streamline back-office and middle-office processes, leading to a more streamlined and delightful customer experience.”

NetXD has built a proprietary AI studio that can execute enterprise objectives into highly accurate and secure applications and processes in the enterprise operating system. This AI studio leverages NetXD's operating system's foundational features including lane controls, digital signature/security, real-time data analytics and Zero Trust Architecture to enable enterprises to deliver Zero Ops.

Contacts: To learn more about NetXD's solutions, please reach out to sales@netxd.com.

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