Key Takeaways
- Understanding what is XDC crypto starts with its role as the native token of a trade finance‑focused blockchain, supporting tokenization and cross‑border settlement;
- Future growth hinges on real‑world asset tokenization, ISO 20022 adoption, and enterprise‑friendly features such as subnets and fast finality;
- The network’s partnerships, including SBI Group and integrations with platforms like Coins.ph and Elliptic, have anchored its institutional credibility.
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I've been getting a lot of questions about what is XDC crypto and why it keeps appearing in tokenized finance discussions. One of the first things people ask me is what network is XDC on. And rightly so, that's a good place to start because the token runs on its own hybrid blockchain called the XDC Network!
Actually, I first stumbled upon it while checking coins listed on Bybit and MEXC, and it immediately felt different from other projects I usually come across. How so? Well, I'm about to get into that as we look at why XDC's technology draws attention and where it might be heading next.

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Table of Contents
- 1. What is XDC Crypto?
- 1.1. XDC Network Overview
- 1.2. XDC Token Utility and Use Cases
- 2. Technology Behind XDC
- 2.1. Hybrid Blockchain Model
- 2.2. Consensus Mechanism and Performance
- 3. XDC Tokenomics
- 4. Partnerships and Ecosystem Growth
- 5. Market Performance of XDC Crypto
- 6. Future Outlook for XDC Crypto
- 7. What Exchanges is XDC On?
- 8. Conclusions
What is XDC Crypto?
To tell you the truth, XDC crypto has been gaining attention for reasons that go beyond price charts. It's the native token of the XDC Network, a hybrid blockchain built for tokenized finance and global trade.
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The network blends public and private models to support smart contracts, decentralized applications, and enterprise-grade transactions, appealing to both institutions and retail users.
XDC itself carries multiple responsibilities. It covers network fees, supports staking and delegation to secure the chain, and powers apps built on its infrastructure. Each of these roles ties back to its broader goal of improving financial processes.
As tokenization and blockchain-based trade finance gain momentum, XDC's relevance continues to grow. Its mission says it best:
Using XDC Network, businesses can improve their record keeping, exchange data and transfer assets more efficiently and more securely.
With more integrations and institutional interest entering the space, the project continues to position itself as a practical link between traditional finance and decentralized tech.
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XDC Network Overview
You likely ran into the question "What network is XDC on?" as you read more about the token. From a technical standpoint, it operates entirely on its own native chain.
Global trade has relied on paper-heavy processes and slow settlements for decades, and XinFin's founders set out to modernize that system back in 2017. They created the XDC Network as a public blockchain designed with enterprise standards in mind.
Rather than chasing cryptocurrency speculation, the project focuses on infrastructure that links enterprises, financial institutions, and decentralized technologies. As a result, it became one of the first public blockchains aimed at trade finance and real‑world asset tokenization.
Its core design revolves around speed and cost-efficiency. Transactions finalize in just a few seconds thanks to an upgraded Delegated Proof of Stake (DPoS) model, which now achieves three-block finality. Low fees, paired with a built‑in fee‑burning mechanism, create a predictable environment suited for enterprises prioritizing stability and compliance.
The XDC Network also places strong emphasis on governance and transparency. Community-driven initiatives and structured decision-making prevent any single entity from dominating the project's future. This distributed framework supports its long-term goal of connecting regulated financial markets with open blockchain ecosystems.
Some of the core technical features include:
- High-speed transactions with three-block finality;
- Low fees and partial fee-burning for sustainability;
- EVM compatibility for seamless smart contract deployment;
- Enterprise-grade focus on compliance and real-world assets;
- Community-driven governance through XDC DAO.
The network's credibility also stems from real-world partnerships. Collaborations with SBI Group and participation in trade finance initiatives like ITFA and TFDi underscore how closely XDC's growth aligns with tangible enterprise adoption.
XDC Network supports Singapore's IMDA TradeTrust initiative, enabling electronic trade documents that comply with the UN's Model Law on Electronic Transferable Records.
XDC Token Utility and Use Cases
When people ask what is XDC used for, the simple answer is payments, but the real answer involves its role in governance, settlement, and trade finance infrastructure.
Its design keeps utility closely tied to real‑world adoption. That's why enterprise participants and retail users engage with it for entirely different reasons, even though both groups rely on the same underlying mechanics.
In practical terms, XDC powers every transaction across the network. Fees are paid in XDC, and 20% of those fees are permanently burned. This creates a deflationary effect that benefits long‑term holders.
The network is secured by participants who stake a set amount of XDC to help validate transactions (I'll explain more about how delegation works in a moment). Each day, participants can delegate their tokens to earn rewards without running their own infrastructure. With that structure, the system balances security and accessibility for all holders.
Trade finance continues to define XDC's most recognized use case. The network enables tokenization of invoices, letters of credit, and similar financial instruments once trapped in paper‑based workflows. In these scenarios, XDC functions as a settlement currency or collateral.
Assets can be issued, traded, and cleared by enterprises almost instantly. On top of that, cross‑border transactions add further value. Institutions can use XDC as a neutral bridge asset, cutting conversion delays and reducing transaction costs.
To recap, here's how XDC functions across the ecosystem:
- Paying network fees with an automatic 20% fee burn;
- Staking for validator roles or delegating to earn rewards;
- Serving as collateral for tokenized trade finance assets;
- Powering cross‑border settlement between enterprises and financial institutions.
How users engage with XDC often depends on their role in the ecosystem, though. Enterprises tend to focus on trade finance and fast cross-border settlements. A bank could tokenize a letter of credit and settle it instantly with another institution, skipping the usual SWIFT delays.
Retail participants often prioritize staking or delegation, earning passive rewards while supporting the network. Governance ties both ends together, since voting rights depend on holding XDC.
📚 Read More: How to Earn Passive Income With Crypto
Technology Behind XDC
The foundation of XDC Network's appeal to enterprise finance lies in its hybrid blockchain architecture.
Financial institutions often face a difficult choice between maintaining private control over data and leveraging the transparency of public blockchains. XDC addresses this by combining both models in a single framework.
Enterprises can keep sensitive records on permissioned nodes while still benefiting from the security and liquidity of a public network when needed. Such a structure enables companies to adopt blockchain while preserving existing compliance frameworks and protecting sensitive information.
Compatibility with the Ethereum Virtual Machine (EVM) further enhances its practicality. Developers already experienced with Ethereum can migrate applications and smart contracts directly to XDC without rewriting code. For businesses, this enables faster rollouts and access to established DeFi tools, token standards, and infrastructure.
Speed of deployment and reduced integration costs are significant factors for institutions seeking blockchain‑based solutions in these sectors.
Just as importantly, XDC Network is aligned with ISO 20022 - the upcoming global standard for financial messaging. Alignment with this standard smooths communication between blockchain systems and traditional banking networks.
Many protocols still struggle to bridge this gap, but XDC's compatibility positions it as a more natural fit for institutions modernizing payment rails and digitizing trade documentation.
To demonstrate that readiness in action, XDC Payments offers a real-world example. The platform enables seamless, low-cost, real-time transactions for businesses, financial institutions, and merchants worldwide.
Backed by institutional-grade security, smart contract automation, and full ISO 20022 compliance, XDC Payments reduces friction in global settlements and enhances payment efficiency.
All of these capabilities are tied together through the XDC token. With a fixed supply and partial fee burn in place, XDC offers a structured token model that aligns with the financial planning needs of institutions.
📚 Read More: Application of Blockchain in Modern Businesses
Hybrid Blockchain Model
Financial institutions have long wrestled with the paradox of blockchain adoption: public networks excel at transparency, yet they expose data[1] that regulators and competitors should never see.
As outlined earlier, XDC Network's hybrid design supports public verification layered with private confidentiality. Public components provide an immutable record for audits and regulatory checks, while private layers shield sensitive trade data and client information from exposure.
Banks and trade finance platforms see clear value in this structure. Their operations demand compliance-grade oversight but cannot compromise on discretion for competitive or legal reasons.
Through XDC's dual-layer design, they're able to tokenize assets, execute cross-border transactions, and oversee trade documentation while meeting strict security and compliance standards.
To show how this stands apart from conventional designs:
XDC | ||||
---|---|---|---|---|
Launch Year | 2017 | 2008 | 2015 | 2012 |
On-Chain Governance | ✓ | ✗ | ✓ | ✓ |
Energy Usage (annually) | 0.0000074 TWh | 100+ TWh | 0.0026 TWh | 0.79 TWh |
Consensus Mechanism | Delegated Proof-of-Stake (DPoS), Hotstuff BFT | Proof-of-Work (PoW) | Proof-of-Stake (PoS) | XRP Ledger Consensus Protocol, BFT |
Smart Contract Programming Language | Solidity | Script | Solidity | C++ |
Software Development Kit (SDK) | ✓ | ✓ | ✓ | ✓ |
Table: A comparison of the XDC, Bitcoin, Ethereum, and XRP
That said, adopting such a model clears one of the biggest hurdles for enterprise-scale blockchain use. Institutions no longer have to choose between operational efficiency and regulatory alignment.
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Consensus Mechanism and Performance
The discussion around what is XDC cryptocurrency often shifts to its performance under real-world financial workloads.
At the core of this efficiency is the XinFin Delegated Proof-of-Stake (XDPoS) engine, where validator masternodes are selected by token holders. This design pairs rapid block creation with decentralized governance so that transactions can be confirmed in seconds.
Performance benchmarks highlight why XDC is positioned as an enterprise-grade chain. Transaction speed, throughput, and low fees consistently outpace typical Layer 1 blockchains.
Block Time | 2.33 seconds |
Block Finalization Time | 30 seconds |
Throughput | 2,000+ TPS |
Average Fee | $0.00001 per transaction |
Table: Core performance metrics of XDC Network
These metrics show the network's capacity to handle large-scale tokenization and cross-border payments without sacrificing cost efficiency or sustainability. Beyond throughput, the consensus model incorporates Byzantine fault tolerance and on-chain forensics to safeguard the system against malicious activity.
Governance of this layer flows through the XDC DAO, which separates responsibilities into three chambers: the Masternode Senate, the Judiciary, and the People's House. This arrangement keeps protocol upgrades and community proposals transparent while distributing decision-making power across stakeholders.
The 2024 XDC 2.0 upgrade brought advanced BFT consensus, reducing fork risks and strengthening overall network reliability.
XDC Tokenomics
XDC crypto forms the backbone of the network's economy and governance. The design favors predictability and slow deflation, aiming to keep things stable whether you're a business or a solo user.
Type "What is the max supply of XDC?" into any search bar, and you'll find the answer is 100 billion tokens. Thanks to this cap, the token's fixed limit gives developers, validators, and holders a clear framework for long-term planning.
Around 16 billion XDC currently circulates, and the rest is allocated to fuel future development and community incentives. The gradual release approach leans toward sustainable scaling, not runaway supply.
Allocation spans founding teams, community programs, treasury reserves, and early contributors, rewarding those driving network adoption and ensuring continued development.
Percentage | Amount (XDC) | Purpose | |
---|---|---|---|
Founders & Core Development Team | 40% | 15 billion | Long-term incentives for network growth and continued development |
Ecosystem Growth | 27% | 10 billion | Community initiatives, developer rewards, and partnership expansion |
XDC Foundation Treasury | Allocation for early partners, financiers, and key contributors | ||
Pre-Placement | 6% | 2.5 billion | Strategic liquidity management and crisis response |
Table: XDC token allocation overview
Such distribution underscores the network's focus on resilience and wide participation rather than short-term gains. Staking rewards fuel future emissions, directly linking validator incentives to the chain's ongoing health.
However, explaining what is XDC cryptocurrency feels incomplete without mentioning how tokenomics connects to governance. Masternodes must lock 10 million XDC to secure the network under DPoS, while smaller holders can delegate their tokens to share in rewards.
📚 Read More: Crypto Fundamental Analysis
Partnerships and Ecosystem Growth
The XDC Network's credibility rests on partnerships that directly serve the trade finance sector. Collaborations with TradeFinex, R3 Corda, and SBI Group have pushed forward tokenized asset solutions and cross-ledger settlement experiments.
The network's credibility is also reflected in its membership in groups like the International Trade and Forfaiting Association (ITFA) and the Trade Finance Distribution Initiative (TFDi). These affiliations reinforce its reputation among institutions that operate under strict compliance requirements.
The standing was built gradually through consistent milestones. The network moved from an early proof-of-concept focused on enterprise needs into a recognized trade finance solution.
ITFA is a global trade association for institutions involved in trade finance, forfaiting, and receivables. As of writing, XDC Network has become the first and only Layer 1 blockchain ecosystem invited to join its membership.
Institutional adoption continues to expand. SBI VC Trade currently offers XDC-based services in Japan, while other financial entities use the network for remittance flows, credit issuance, and pilots involving tokenized securities. These relationships present XDC as a practical choice for enterprises seeking blockchain solutions that meet compliance and operational demands.
Major partnerships are complemented by technical integrations that extend the network's reach and functionality:
- Ankr provides RPC services and API infrastructure for developers.
- Elliptic supplies compliance and analytics tools that enhance risk management.
- Wanchain enables cross-chain interoperability with other prominent blockchain networks.
- Coins.ph connects more than 16 million Southeast Asian users to XDC-powered transfers.
The combination of enterprise partnerships and developer integrations forms a layered ecosystem where institutional trust intersects with innovation.
Market Performance of XDC Crypto
Since debuting in 2018 and launching its mainnet the following year, the XDC token has experienced pronounced cycles of rallies and corrections. Market sentiment shifted dramatically after the pandemic[2], as fear gave way to heightened greed during the 2021 bull run. This broader surge amplified volatility across altcoins and pushed XDC into its first major price discovery phase.
The token's breakout began in April 2021, climbing to $0.131 amid renewed enthusiasm for decentralized finance. Momentum carried through mid-August, where XDC reached an all-time high of about $0.182 and strengthened its reputation as an enterprise-oriented asset.
By 2022, the mood turned as the fear-and-greed index slid toward extreme fear levels during the bear market. XDC fell to roughly $0.023 by July, reflecting the broader risk‑off sentiment across crypto markets.
Recovery signs surfaced throughout 2023. A partnership with SBI Holdings briefly lifted XDC to $0.093, though gains faded as the broader market retraced and prices settled around $0.027 by late summer.
The narrative found renewed energy with the release of the XDC 2.0 upgrade, which introduced stronger security measures and prepared the network for more institutional applications.
In early 2024, a broader market rally sparked another upward push. XDC reached about $0.156 in mid-January before sliding to the $0.06 range by February and April. Price action continues to reflect a familiar pattern of extended consolidation phases punctuated by rapid climbs triggered by network milestones or broader market catalysts.
Future Outlook for XDC Crypto
XDC's long-term trajectory hinges on how effectively it capitalizes on the growing momentum behind tokenized finance. As institutions digitize assets like invoices, bonds, and letters of credit, the need for scalable, compliant blockchain infrastructure becomes more urgent.
Instead of starting from scratch, XDC enters this space with live integrations, regulatory alignment, and real-world pilots already in motion. Its role in initiatives like TradeFinex and the TFDi signals not just ambition, but operational maturity.
Another key tailwind is the global shift toward ISO 20022 messaging standards. XDC's readiness for this framework makes it easier for traditional financial systems to adopt blockchain without overhauling legacy infrastructure. That compatibility strengthens its position as a connective layer between decentralized systems and mainstream finance.
On the technical front, upgrades such as the XDC 2.0 consensus mechanism, EVM compatibility, and enterprise subnets provide a strong foundation for future growth. These enhancements enable faster settlements, greater security, and tailored privacy options that meet enterprise demands.
While adoption timelines can be unpredictable and competition in the enterprise blockchain space remains intense, XDC's convergence of technical capability, regulatory foresight, and trade finance specialization gives it a viable path forward as institutions move toward blockchain-integrated workflows.
As with any emerging crypto asset, doing your own research will be essential for evaluating XDC's long‑term role in digital trade finance.
What Exchanges is XDC On?
Those looking to purchase XDC often ask: What exchanges is XDC on, and which trading pairs are available?
The token has earned listings on several well-known centralized exchanges that serve different needs, ranging from fiat onramps to advanced trading environments and expansive altcoin markets. The table below outlines where XDC can be traded and highlights key purchase options:
Trading Pairs | Fiat Conversion Support | |
---|---|---|
Bybit | XDC/USDT | ✗ |
KuCoin | XDC/ETH, XDC/USDT | ✗ |
MEXC | XDC/USDT | ✗ |
Uphold | XDC/ETH | USD, GBP, EUR |
CEX.IO | ✗ | USD, EUR |
Table: XDC exchange listings and trading pairs
While the table provides a quick overview, each exchange has distinct features that may appeal to specific trading styles or regional access. A closer look at the leading platforms includes:
- Bybit. Geared toward active traders, Bybit supports over 1,900 cryptocurrencies and features advanced tools such as futures and options.
- KuCoin. A favorite among altcoin and meme coin enthusiasts, KuCoin offers over 900 listed cryptocurrencies and 1,300 trading pairs, although it is unavailable to US residents.
- MEXC. Recognized for its expansive token selection approaching 3,000 listings, MEXC resonates with meme coin and altcoin communities.
- Uphold. A multi-asset platform that supports cryptocurrency, fiat currencies, and precious metals in one account.
- CEX.IO. Operating since 2013, CEX.IO combines a user-friendly interface with fiat support for straightforward crypto purchases.
For anyone wondering where to buy XDC coin, these exchanges offer flexible options for both casual investing and active trading in stablecoin markets.
📚 Read More: How to Choose a Crypto Exchange
Conclusions
The question "What is XDC crypto?" has become central as the network grows in trade finance and tokenized assets. XDC functions as more than a coin, anchoring a blockchain built for settlement speed, regulatory alignment, and interoperability. Upgrades and partnerships since 2018 have shifted it from niche pilots to broader adoption.
Equally important is understanding what is XDC used for, as it reveals its role in powering transactions, staking, and governance. It also acts as collateral for tokenized trade instruments and underpins decentralized applications.
The content published on this website is not aimed to give any kind of financial, investment, trading, or any other form of advice. BitDegree.org does not endorse or suggest you to buy, sell or hold any kind of cryptocurrency. Before making financial investment decisions, do consult your financial advisor.
Scientific References
1. Buterin, V., Illum, J., Nadler, M., Schär, F., Soleimani, A.: ‘Blockchain Privacy and Regulatory Compliance: Towards a Practical Equilibrium’;
2. Kim, K., & Lee, M.: ‘The Impact of the COVID-19 Pandemic on the Unpredictable Dynamics of the Cryptocurrency Market’.