Is XVILAN a bank or MSB?

No. XVILAN is a software-first data router positioned above the payment networks. It does not hold deposits or transmit funds directly, so no MSB/MTL license is required to start scanning messages.

What changes at the CBPR+ November 14, 2026 cliff?

CBPR+ will begin network-level rejection of unstructured address lines (AdrLine) on cross-border MX messages. XVILAN CLEANSE remediates addresses and BICs before submission to keep messages STP-ready.

How is pricing structured?

Transparent per-message tolls: $50 per SHIELD scan, 1 basis point of gross USD for CLEANSE, $10 per TRANSLATE, and $25 per HARMONIZE between CBPR+ and HVPS+ dialects. Zero fixed minimums and no long sales cycles.

Which rails does XVILAN support?

Fedwire, FedNow, and RTP for domestic USD plus CBPR+ for cross-border. UETR is mandatory on every message per the ISO 20022 migration standard.

Regulatory Compliance

This agreement governs the use of XVILAN ISO 20022 message routing infrastructure.

Last Updated: August 26, 2026

Revision: v3.0.0-PRO

Terms of Service &
API Agreement.

Effective: August 2026

1. TECHNICAL ENTITY & BINDING AGREEMENT

This agreement is entered into by and between XVILAN Systemic Infrastructures LLC (a financial technology software provider) and any corporate or institutional entity accessing our deterministic ISO 20022 message engines, APIs, or cloud endpoints ("Client"). By activating any digital instance, you agree to these terms.

2. SYSTEM ACCESS & INSTANT AUTOMATED DEPLOYMENT

Our infrastructure operates as an autonomous, high-availability system. Upon successful verification, our automated provisioning engine delivers the necessary secure cryptographic API tokens, cloud endpoints, or implementation instances directly to the Client. XVILAN is a software-first data router — it does not hold deposits, transmit funds directly, or act as a depository institution.

3. USAGE-BASED TOLLS & AUTOMATED BILLING

Clients are bound to the per-message toll card as displayed on the live pricing interface:

SHIELD: $50 per deterministic scan.
CLEANSE: 1 basis point of gross USD per remediation.
TRANSLATE: $10 per MT103/JSON to MX conversion.
HARMONIZE: $25 per CBPR+ to HVPS+ dialect conversion.

All tolls are non-refundable. Zero fixed monthly minimums. No long sales cycles. Tolls are computed deterministically and mirrored by the /api/v1/pricing endpoint.

4. DATA LIMITATIONS & USE POLICY

Message payloads processed through our engines are strictly for the internal programmatic, institutional, and algorithmic operations of the Client. Redistribution, sub-licensing, or reselling of raw API streams without an explicit secondary distribution rider is prohibited and results in immediate automated token revocation.

5. FINANCIAL RISK & LIABILITY DISCLAIMER

XVILAN provides deterministic message validation software and cloud engineering solutions. We do not act as regulated financial advisors, brokers, asset managers, or money transmitters. The engines process data via automated deterministic systems; they do not constitute direct investment advice. Client assumes 100% of the operational risk associated with deploying these infrastructure feeds. Network settlement is final and irrevocable per Regulation J and UCC Article 4A.

6. GOVERNING JURISDICTION

This agreement and all automated service provisioning are governed by institutional service-level agreements and technical standards. Any institutional disputes shall be settled through binding arbitration in accordance with international commercial infrastructure protocols.

View Toll Card