Neil Ni, Chief Strategy Officer at XTransfer, joined @PayTech Talk host @Jan Jaap Omvlee at @Money2020Europe to discuss the world's largest B2B cross-border trade payment platform's European debut – and what it takes for a China-rooted infrastructure player to win the trust of established European banks.

Neil shared his perspectives on XTransfer's European ambitions by:

• Unpacking what the newly announced MOUs with Société Générale and BBVA signal about XTransfer's plans for the region
• Explaining how X-Net, the platform's proprietary infrastructure backbone, sets it apart from rails built on top of legacy systems
• Detailing how X2X enables instant, zero-fee settlement between clients, and what that reveals about the strength of XTransfer's network
• Making the case for why an AI-driven risk model can earn the confidence of institutional partners such as Deutsche Bank or BNP Paribas

The episode explores how XTransfer's rapid growth in emerging markets is reshaping expectations for cross-border trade finance, and what a smart, fragmented-market entry into Europe's 30-plus regulatory environments actually requires.