Trade now, settle later.

Execute trades without upfront capital, bridge liquidity gaps, and seize time-sensitive opportunities.

What is a Credit Line?

XBO.com Credit Line lets you trade without holding upfront capital. We provide temporary credit in your chosen fiat or crypto asset, allowing you to trade it for another. The purchased asset becomes withdrawable once you deposit the borrowed amount.

Achieve maximum capital efficiency and zero delays when opportunities arise.

Available in: EUR, USD, GBP, BTC, ETH, USDT, USDC.

How it works

Execute trades using credit, settle when ready, and withdraw your assets.

Credit Line
approval

Get a Credit Line in the fiat or crypto asset of your choice. Approval takes between 3-5 business days.

Start trading

Open positions using your Credit Line on the platform or via API. Execute trades even with zero balance in the borrowed asset.

Settle
and withdraw

Deposit the borrowed amount to XBO.com. Once confirmed, your purchased asset becomes fully withdrawable, and your Credit Line is restored. Until then, you can continue trading with it.

Apply for Credit Line

See it in action

Here's how XBO.com Credit Line helps you capture opportunities without upfront capital.

Your Credit Line: 1,000,000 EUR

The trade:

After the trade:

Sell: 200,000 EUR
(from Credit Line, zero actual balance)

Remaining Credit Line:
800,000 EUR

Buy: 220,000 USDC
(at rate 1 EUR = 1.10 USDC)

Your balance: 220,000 USDC (visible but not withdrawable)
Status: Pending settlement

Settlement: You deposit 200,000 EUR to XBO.com.

Once confirmed: Your 220,000 USDC becomes available for withdrawal.
Credit Line restored to 1,000,000 EUR.
You've captured 10% FX arbitrage without upfront capital.

Apply for Credit Line

Why choose XBO.com Credit Line?

Execute trades using credit, settle when ready, and withdraw your assets.

Capital efficiency

Access liquidity without tying up capital. Deploy funds where they generate the most value.

Operational flexibility

Trade on your schedule. Credit terms adapt to your business cycle and trading strategy.

Speed to market

Act on opportunities instantly. No waiting for fund transfers — execute trades the moment markets move.

Multi-currency options

Fiat and crypto Credit Lines available. EUR, USD, GBP, BTC, ETH, USDT, and more.

API integration

Seamlessly connect your trading infrastructure. Full API support for automated Credit Line management.

Risk management

Built-in real-time monitoring, automated alerts, and clear escalation procedures keep your exposure controlled.

Eligibility and essentials

Who qualifies for XBO.com Credit Line?

Corporate accounts with completed KYB/KYC verification and good standing with XBO.com. In addition, a minimum trading history is required.

How credit limits are determined?

Your credit limit is based on trading volume history, corporate financial standing, and risk assessment. Additional collateral can increase your available credit.

Minimum Credit Line:

€100,000 or equivalent

Maximum Credit Line:

Custom based on client profile

Apply now

Tailored pricing and fee structure

Credit Line facility fee: Contact our corporate team for custom pricing
Trading fees: Standard XBO.com trading fees apply
Settlement period: T+2 standard, custom terms available
Settlement deadline: 48 hours standard (customizable based on agreement)
Late settlement fees: Specified in your Credit Line agreement

Seamless API integration

Integrate XBO.com Credit Line into your trading infrastructure with full API support.

Available endpoints:

Access comprehensive documentation with integration guides and sample code.

Real-time credit utilization monitoring
Trade execution with Credit Line
Settlement status tracking
Automated webhook notifications

View API documentation

Built-in risk controls

Real-time monitoring
Track your credit utilization 24/7 and receive automated settlement reminders.

Withdrawal restrictions
Purchased assets remain on the platform until settlement, protecting both parties.

Escalation process
Clear procedures for overdue settlements ensure smooth operations.

Your responsibilities

Settle within the agreed period
Maintain sufficient funds for settlement
Comply with trading limits

Contact Corporate Team

Faq

What happens if I don't settle on time?

Late settlement fees apply as per agreement. Repeated delays may result in Credit Line suspension or reduction.
Can I trade with the purchased asset before settlement?

Yes, you can continue trading with purchased assets on the platform. Only withdrawals are restricted until settlement.
What currencies are available for Credit Lines?

Fiat: EUR, USD, GBP. Crypto: BTC, ETH, USDT, USDC. Custom requests considered.
Is collateral required?

Not always. Based on client profile and credit limit requested. Collateral can increase available credit.
How long does approval take?

Typically 3-5 business days after completing KYB and submitting financial documents.