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X-Pay is a revolutionary electronic payment solution that allows closed communities – such as residential compounds, schools and clubs – to digitize payments and payment collection. Additionally, X-Pay provides it users with a variety of value-added services that make it easier to manage payments and settle recurring bills. Through the company’s mobile application, users can create a “family wallet” and transfer money within a network to facilitate easy spending control. Through another channel on the application, users can communicate with other members and access financial management solutions that help groups who struggle to control expenses optimize their daily operations.