XTransfer CSO Highlights SME Support and Cybersecurity at FinTech Forum
XTransfer, a leading global B2B cross-border financial platform, showcased its commitment to inclusive financial services for SMEs at the Inclusive FinTech Forum 2026 in Rwanda, where Chief Strategy Officer Neil Ni addressed a panel on cybersecurity in real-time cross-border payments.
During the discussion, titled “Securing the Global Payments Highway: Cybersecurity for Real-Time Cross-Border Transactions”, Neil outlined the challenges faced by SMEs in international trade.
He highlighted that traditional B2B cross-border payments often involve multiple correspondent banks, leading to procedural complexity, settlement delays, and high costs that can strain SME cash flow.
“As the industry scales, the challenge isn’t only transaction volume, it’s speed and trust,” Neil said. “To keep legitimate trade moving safely, risk and compliance must become more intelligent, consistent, and scalable.”
Neil detailed how XTransfer leverages AI through its proprietary large language model, TradePilot, to enhance risk and compliance capabilities. The system detects suspicious patterns earlier, prioritises alerts, reduces false positives, and ensures more consistent decisions across markets, strengthening anti-money laundering (AML) controls and operational resilience.
The CSO also spoke on XTransfer’s rapid expansion in Africa, reporting over 300% growth in 2025 as SMEs seek faster and lower-cost solutions for cross-border payments.
He noted that the company is building X-Net, the industry’s first Unified Global B2B Trade Settlement Network and Risk Control Platform, to improve interoperability, shared security standards, and safer cross-border transactions.
“Building resilience requires collective effort,” Neil added, underscoring the importance of collaboration with ecosystem partners and regulators to support safer, standardised cross-border information flows.
XTransfer continues to position itself as a partner for SMEs across Africa, promoting secure, efficient, and inclusive financial solutions in international trade.
