XTransfer Founder & CEO Bill Deng : Empowering Global SMEs with Better Financial Access

品牌之声

Brand Voice

“我确信，我们得到了大出海时代的馈赠。更加幸运的是，我们将得到另一个更大时代的馈赠：人工智能时代。”

——XTransfer 创始人、CEO邓国标

(XTransfer 曾入选2024福布斯中国·出海全球化系列评选)

"I am convinced that we have been gifted by the era of global expansion. Even more fortunate is that we are about to receive the gift of an even greater era — the age of artificial intelligence."

— Mr. Bill Deng, Founder & CEO of XTransfer

(XTransfer was named to the 2024 Forbes China Go-International Series Selection)

2026年8月12日，邓国标在XTransfer未来外贸大会上宣布，这家成立近10年的创业公司全球注册用户数量突破100万，2025年收款总交易额达到605亿美元——该体量足以跻身全球跨境支付机构的第一梯队。此时，台下坐着4,500多家外贸企业代表、50多家顶尖银行和金融机构代表，线上超过500万人观看直播。

中国外贸行业从代工起步，一路成长为全球贸易版图上的参天大树，增长势头始终强劲。支撑增长的，是一代又一代极具韧性的中国外贸人。即使面对地缘冲突、海运受阻等意外情况，他们仍能逆风而上，随机应变。哪里有需求、有订单，中国外贸企业就会在哪里快速出现，各出奇招，解决客户的问题。其中，“中小企业是全球贸易最有战斗力的群体。”邓国标对此不吝肯定。

China's foreign trade industry started from OEM manufacturing and has grown into a towering presence on the global trade landscape, with its growth momentum remaining consistently strong. Underpinning this growth are generations of remarkably resilient Chinese traders. Even in the face of unexpected challenges such as geopolitical conflicts and disrupted sea routes, they have continued to rise against the odds and adapt with agility. Wherever there is demand and orders, Chinese foreign trade enterprises swiftly emerge, employing a variety of creative approaches to solve their customers' problems. Among them, "SMEs are the most formidable force in global trade," Bill Deng affirmed without hesitation.

他创办的XTransfer专注解决中小企业的跨境收付难题，致力于让每一家外贸企业，无论规模大小，无论身在哪个国家，都能享受到安全、高效、低成本的跨境金融服务。

He founded XTransfer to focus on solving the cross-border payment and collection challenges faced by SMEs, with the mission of enabling every foreign trade enterprise — regardless of size or location — to access secure, efficient, and low-cost cross-border financial services.

XTransfer搭建了全球统一的B2B跨境贸易结算网络与风控体系X-Net，连接全球171家金融机构，目前在近60个国家和地区提供本地收款服务，海外买家可以直接用本币付款，到账时间从三五天缩短至实时。其自研AI风控模型TradePilot，将欺诈率压到0.003%，风控成本不到传统银行的5%。每一个接入X-Net的传统金融机构，都能通过一次API对接，共享全球收付通道。

XTransfer has built a globally unified B2B cross-border trade settlement network and risk control system, X-Net, which connects 171 financial institutions worldwide and currently provides local collection services in nearly 60 countries and regions. Overseas buyers can pay directly in their local currencies, with settlement times reduced from three to five days to real-time. Its proprietary AI-powered risk control model, TradePilot, has driven the fraud rate down to 0.003% at a cost of less than 5% of that of traditional banks. Every traditional financial institution connected to X-Net can share global payment and collection channels through a single API integration.

邓国标表示，进出口贸易里只有一个全球统一市场，未来最大的机会，在新兴市场。过去九年，XTransfer用X-Net把新兴市场普遍存在的“汇困”难题拆解成可规模化服务的增量。而AI的出现，让他们可以做得更快、更精准、成本更低。

Bill Deng noted that in import and export trade, there is only one globally unified market, and the greatest opportunity lies in emerging markets. Over the past nine years, XTransfer has leveraged X-Net to break down the prevalent "currency access challenges" in emerging markets into scalable service opportunities. The advent of AI, he added, enables them to go faster, with greater precision, and at lower cost.

01 邓国标的判断：B2B支付市场仍然“十分原始”

01 Bill Deng’s View: The B2B Payments Market Is Still in Its Early Stages

传统外贸收款通常由海外买家支付美元，经过中间行层层中转，3到5天后到达卖家账户，每层不仅要扣除手续费，期间还可能被调单、冻结。

Traditional foreign trade collections typically involve overseas buyers paying in U.S. dollars, which are then transferred through multiple intermediary banks before reaching the seller's account three to five days later. At each step, fees are deducted, and throughout the process, transactions may be subject to document review requests or even account freezes.

XTransfer倡导X2X（XTransfer to XTransfer），即买卖双方都在XTransfer平台开户的情况下，资金在平台内部完成流转，无需经过传统中间行网络。得益于其搭建的本地收款账户网络，海外买家可以直接用本地货币付款——泰国的进口商用泰铢、尼日利亚的买家付奈拉、哥伦比亚的客户付比索。XTransfer在当地合作的持牌金融机构接收本币后，平台在后端完成两次货币兑换、两次跨境外汇合规申报，最终将人民币或美元结算给中国出口商。在开户、账户管理、入账、收款等环节，平台均不收取任何费用，仅在结汇提现环节按提现金额的0.4%收取手续费，交易量大的企业还可以申请下调，最低可至0.1%。