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Xalther

Unlock Instant Liquidityfrom Real-World Payment Streams

Bringing Cash Flow On-Chain

Xalther is a decentralized PayFi protocol that transforms how money moves around the world. By tokenizing real-world payment flows such as invoices, salaries, and remittances, Xalther provides instant liquidity and decentralized credit access to users and businesses.

How Xalther Works

Layer 001

Transaction Layer

Ultra-fast, Low-cost Settlement for Payments

Powered by high-performance chains like Solana and Stellar, this layer enables sub-second payment finality and gas fees as low as $0.00025.

Ensures fast and efficient processing of thousands of microtransactions.

Use Cases

Solana Pay
Stellar Disbursement Platform
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Why Choose Xalther?

Real-World Utility, Not Just Hype

Xalther solves real problems: delayed payments, limited access to credit, and cross-border financial friction. We bring DeFi where it's needed most.

Earn While Making an Impact

Provide liquidity to actual businesses and workers—not just farms or memecoins—and earn high yields backed by real-world revenue.

Fair, Permissionless Access

No banks. No borders. Xalther is open to anyone, anywhere. All you need is a wallet and some $XAHER.

Built for the Underserved Majority

Xalther empowers SMEs, gig workers, and emerging market users who are locked out of traditional finance.

DeFi You Can Trust

With embedded compliance, professional partners, and real-world integrations, Xalther offers a credible alternative to broken legacy systems.

Introducing $XAHER

Total Supply: 1,000,000,000 $XAHER

Utility

Liquidity Access

Gain access to Xalther's real-world liquidity pools by staking or supplying $XAHER tokens.

Collateral Asset

Use $XAHER as collateral to borrow against tokenized income streams like invoices or payroll.

Governance Rights

Vote on protocol upgrades, parameter changes, and DAO proposals with $XAHER.

Protocol Rewards

Earn $XAHER through staking, node participation, and ecosystem contribution.

Fee Discounts

Enjoy lower fees across Xalther products by holding or staking $XAHER.

Roadmap

Phase 1

Protocol Foundation

  • Launch Xalther on Solana mainnet with core smart contracts
  • Fair launch of $XAHER token on Solana
  • Deploy receivables liquidity pool
  • Onboard first partners: USDC, Solana Pay, custodians
Phase 2

Product Expansion

  • Add new financing pools (payroll, remittance, SME flows)
  • Launch the Xalther Dashboard for LPs and borrowers
  • Enable programmable payments (split/milestone-based)
  • Integrate embedded compliance tools (e.g. Chainalysis)
  • Form partnerships with Solana-native payroll and DePIN projects
Phase 3

Ecosystem & Compliance

  • Release Xalther SDK and developer sandbox
  • Attract institutional LPs and DAO-backed liquidity
  • Pilot on-chain income scoring and underwriting engine
  • Plan cross-chain compatibility (Solana-EVM bridge)
  • Initiate NGO/Fintech partnerships for compliant DeFi pilots
Phase 4

Governance & Global Expansion

  • Launch Xalther DAO for decentralized governance
  • Enable staking & reward delegation with $XAHER
  • Expand to Ethereum L2 and other chains
  • Launch mobile-first version with fiat on/off-ramp support

Frequently Asked Questions