xpate Powers Real-Time Account Funding for Bilder Customers

WHY THIS MATTERS

As fintech platforms expand globally, the ability to move funds quickly and reliably across borders has become a core expectation rather than a competitive advantage. Bilder’s integration of xpate’s infrastructure highlights the growing demand for payment and banking platforms that enable real-time account funding and always-on financial services. By allowing customers to top up accounts instantly using payment cards, the partnership addresses one of the most common friction points in digital banking: delays in accessing funds.

xpate, an all-in-one payment and banking platform for digital businesses, announced that Bilder, a London-based fintech platform offering multi-currency banking and payment services, has integrated xpate’s technology to support faster and more flexible account funding.  The partnership reflects a shared commitment to enabling fintech platforms to deliver faster, more seamless cross-border account funding for their globally active customers.

Fintechs are increasingly building modular ecosystems, with xpate forming part of the underlying infrastructure layer within this shift. Bilder represents an early use case in the fintech space, adopting xpate’s infrastructure to improve access to funds across borders.

“At Bilder, we focus on making financial services simpler and more accessible. xpate helps us do exactly that,” said Dmitry Kuvshinov, Executive Officer at Bilder.

Integrating xpate’s infrastructure means that Bilder can now offer its customers the ability to quickly top up accounts online using payment cards. The functionality is available 24/7 and supports users globally.

For platforms like Bilder, which serve individuals and businesses often underserved by traditional banks, this means enabling reliable, always-on access to funds without the delays or limitations associated with legacy systems. By integrating xpate’s capabilities, alternative banking providers can offer customers a more convenient and responsive experience, especially in service areas where traditional banking services have been slower to adjust.

The shift towards continuous access to funds reflects broader changes in financial services, where users expect continuity and immediate availability of service. For fintech providers, this increases the need for infrastructure that supports real-time transactions without adding operational complexity.

xpate brings together payment processing and multi-currency account functionality within a single system, allowing fintech customers to manage transactions and funds in a more streamlined way. Bilder’s adoption of the platform reflects a growing preference among fintech companies to integrate established infrastructure rather than build these capabilities internally.

“Building modern financial services is about strong partnerships that solve real operational challenges,” said Katia Puchkova, Chief Operating Officer at xpate. “Our goal is to support fintech companies like Bilder with the technology that allows their customers to fund accounts quickly and reliably, wherever they are operating and without adding complexity to their operations,” Katia Puchkova continued.

While the integration is still at an early stage, Bilder has reported improvements in operational efficiency following implementation. The ability for customers to fund accounts instantly is expected to support increased activity.

Bilder’s adoption reflects xpate’s continued focus on supporting fintech customers across the UK and Europe with accessible, always-on payment capabilities. The capacity to offer reliable access to funds continues to be a crucial operational necessity as fintech platforms grow globally.

FF NEWS TAKE
The fintech ecosystem is increasingly moving toward infrastructure-led partnerships, where specialised providers power the underlying capabilities that customer-facing platforms depend on.

xpate’s integration with Bilder demonstrates how embedded payments and multi-currency infrastructure are becoming foundational components for modern fintech platforms. As user expectations continue to rise around instant access to funds and seamless cross-border transactions, partnerships like this will likely become the standard way fintech companies scale their services globally.