Beneficiary, Connected, and Manager Services Overview

Xtrm provides three levels of access that determine how your company can interact with, view, and manage other company and individual accounts within the platform.

Each access level provides different capabilities and visibility into connected accounts. The table below outlines the permissions and features available for each level of access.

Important Information

1. Connections Are Not Required to Send Payments

Your company does not need to be connected to another company or individual account in order to send payments.

Payments can be sent directly to a recipient's:

• Xtrm Wallet
• Bank Account
• Prepaid Card
• Gift Card
• Check

2. Recipients Are Automatically Added to Your Contacts

Whenever your company sends a payment to a company or individual, that recipient is automatically added to your contact list for future transactions.

3. Connected Access Provides Additional Functionality

Being connected to another company or individual account (Level 2) provides limited additional visibility into that account and enables features such as Bank Direct payments through the API.

4. Connections Are One-Way

Connections between companies and individuals are not reciprocal.

For example, if your company connects to another company and receives Level 2 access to their account, this does not automatically grant them Level 2 access to your account.

5. Manager Services Provide Expanded Visibility and Controls

Level 3 Manager Services provide additional visibility and management capabilities beyond standard connected access.

Companies with Manager access can manage and oversee their connected companies and individuals using the additional administrative tools and services available through the platform.

This table shows the data access features by level.

Becoming Connected to a Company Account (Access Level 2)

Ways to Become Connected

You can become connected to a company account through any of the following five methods:

1. First Payment Initiation
   • Your company is the first to pay the recipient using:
     • Mass Pay submission
     • API payment
     • Send feature within the Xtrm platform
2. API Account Creation
   • Your company creates the company account using the Xtrm API.
3. User Interface Account Creation
   • Your company creates the company account directly through the Xtrm user interface.
4. Branded Signup Page Registration
   • The company signs up using your branded Xtrm signup page.
5. Support-Assisted Connection
   • Xtrm connects the company to your account upon request through Xtrm Support.

What Happens After Connection

Once a company is connected:

• The company appears in your Contacts table
• You can filter and manage them under Connected accounts
• Additional Level 2 functionality becomes available, as outlined in the Access Level overview table

Becoming Connected to a Personal Account (Access Level 2)

Personal accounts can also be connected to your company using several methods. Once connected, the individual will appear in your Contacts table under Connected users, enabling additional functionality.

Ways to Become Connected

You can become connected to a personal account through any of the following methods:

1. First Payment Initiation
   • Your company is the first to send a payment via:
     • Mass Pay submission
     • API payment
     • Send feature on the Xtrm platform
2. API Account Creation
   • Your company creates the personal account using the Xtrm API.
3. User Interface Account Creation
   • Your company creates the personal account through the Xtrm user interface.
4. Branded Signup Page Registration
   • The individual signs up using your branded Xtrm signup page.
5. Support-Assisted Connection
   • Xtrm connects the personal account to your company upon request via Xtrm Support.

Requesting a Connection

If a user is not connected because none of the automated methods apply, and you would like to establish a connection, please contact:

support@xtrm.com

Include the following details:

• Full name of the individual
• Email address associated with the account

What Happens After Connection

Once connected:

• The individual appears in your Contacts table
• You can filter by Connected users
• Additional Access Level 2 functionality becomes available

3. Accessing Manager Services (Access Level 3)

Manager Services provide advanced visibility and administrative capabilities for managing connected companies and individuals.

These services are typically intended for integrated partners managing large volumes of downstream users.

How to Request Access

To access Manager Services:

• Contact your assigned Account Manager, or
• Email: support@xtrm.com

Approval Process

Manager Services access is subject to review and approval based on:

• Integration requirements
• Security and compliance considerations
• Operational scale and use case

Depending on your authorization level, you may be granted access to some or all Manager Services features.