PROD002 — Xtrm AnyPay

Last updated: August 26, 2026

What is Xtrm AnyPay™?

Xtrm AnyPay™ is the outbound payout distribution engine of the Xtrm platform. It lets organizations execute mass payouts, rewards, incentives, and contractor payments to individuals or companies anywhere in the world — and gives recipients control over how they receive their money.

AnyPay™ handles the money out. Its counterpart, Xtrm AnySource™, handles the money in.

At a Glance

  • Flexible recipient options. Pay beneficiaries by bank wire or ACH, virtual or plastic Visa/Mastercard, or 1,000+ global digital gift cards.

  • Global currency coverage. Disburse in 140+ currencies with real-time FX conversion.

  • Two payout modes. Xtrm Direct™ pushes funds automatically to a method you specify. Xtrm Choice™ lets the recipient pick their own cash-out option.

  • Automated compliance. Built-in global tax tracking and identity verification (KYC/AML).

Intelligent Wallet Architecture

Xtrm AnyPay™ uses a linked, hierarchical wallet structure so businesses can map their operational structure directly onto payment workflows and settlement processes.

Organizations can:

  • Create and manage multiple wallets

  • Track funds across users, departments, customers, or partners

  • Move funds between wallets securely

  • Support complex business models through connected accounts

  • Maintain detailed visibility into payment activity

Xtrm Direct™ vs. Xtrm Choice™

AnyPay™ supports two operational workflows for different payout needs.

Xtrm Direct™

Xtrm Choice™

Best for

Standard payroll, predictable partner disbursements

Incentives, SPIFs, gig workers, global rewards

Recipient experience

Automated deposit into a pre-configured account

Self-serve portal or embed where the recipient chooses a withdrawal method

Data requirements

You provide the recipient's payout details upfront

You provide only the recipient's email address or mobile number

Which should you use? If you already hold verified banking details for a stable list of recipients, use Direct™. If your recipient list changes often, spans many countries, or you would rather not hold banking data at all, use Choice™.

Xtrm Choice™ Flow

Xtrm Direct™ Flow

Supported Payout Channels

Channel

Delivery method

Processing time

Availability

Local bank transfer

ACH, EFT, direct credit

1–3 business days

100+ countries

Global wire

SWIFT wire

1–2 business days

Worldwide

Prepaid virtual Visa / Mastercard

Instant digital delivery

Immediate

Worldwide

Plastic prepaid Visa card

Physical card

5–10 business days

Selected countries

Digital gift cards

Virtual digital card

Immediate

1,000+ retailers worldwide

Core Enterprise Benefits

No need to store banking data

With Xtrm Choice™ you can disburse globally using only an email address. Recipients log in securely and supply their own bank or payment preferences, which reduces your security footprint and your liability.

Multi-currency and cross-border payouts

Fund payouts in your primary operating currency — USD, EUR, GBP, or another — and let AnyPay™ convert balances into local recipient currencies at competitive FX rates.

Built-in tax and regulatory compliance

AnyPay™ tracks lifetime disbursement thresholds per beneficiary. When a threshold is crossed, the platform automatically collects the required tax information (such as Form W-9 or W-8BEN) and generates the applicable end-of-year tax forms.

Watch: AnyPay™ Overview

Contact

To learn more about Xtrm AnyPay™ for companies, contact the Xtrm team: