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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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What is XDC Crypto: The Complete Guide to Its Ecosystem and Adoption

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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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.

What is XDC crypto: XDC Network website.

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.

📚 Read More: How Does Cryptocurrency Gain Value?

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.

What is XDC crypto: XinFin website.

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.

What is XDC crypto: XDC ecosystem page.

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.

What is XDC crypto: 5 years on the mainnet page on XDC Network website.

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.

What is XDC crypto: XDC role in trade finance.

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.

What is XDC crypto: XDC Network technical specification page.

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.

What is XDC crypto: XDC Payment mission.

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.

What is XDC crypto: XDC Network introduction on XinFin's website.

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

Bitcoin

Ethereum

Ripple

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.

📚 Read More: Public VS Private Blockchain

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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.

What is XDC crypto: Ecosystem dApps page on XDC Network website.

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.

What is XDC crypto: XDC Network's community page.

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.

What is XDC crypto: Wanchain website.

  • 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.

What is XDC crypto: fear and greed index on BitDegree.

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.

What is XDC crypto: XDC Network cross-chain interoperability.

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.

What is XDC crypto: XDC 2.0 upgrade announcement.

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.

If you're ready to trade, XDC is already listed on big names like Bybit and MEXC. So grab your wallet, pick your pair, and dive in!

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’.

About Article's Experts & Analysts

By Aaron S.

Editor-In-Chief

Having completed a Master’s degree in Economics, Politics, and Cultures of the East Asia region, Aaron has written scientific papers analyzing the differences between Western and Collective forms of capitalism in the post-World War II era. W...
Aaron S. Editor-In-Chief
Having completed a Master’s degree in Economics, Politics, and Cultures of the East Asia region, Aaron has written scientific papers analyzing the differences between Western and Collective forms of capitalism in the post-World War II era.
With close to a decade of experience in the FinTech industry, Aaron understands all of the biggest issues and struggles that crypto enthusiasts face. He’s a passionate analyst who is concerned with data-driven and fact-based content, as well as that which speaks to both Web3 natives and industry newcomers.
Aaron is the go-to person for everything and anything related to digital currencies. With a huge passion for blockchain & Web3 education, Aaron strives to transform the space as we know it, and make it more approachable to complete beginners.
Aaron has been quoted by multiple established outlets, and is a published author himself. Even during his free time, he enjoys researching the market trends, and looking for the next supernova.

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FAQ

What is XDC crypto?

XDC cryptocurrency is the native token of the XDC Network, a hybrid blockchain designed for tokenized finance and global trade. It powers network transactions, staking, and governance, while also serving as collateral for tokenized assets like invoices and letters of credit. As interest in real-world asset tokenization grows, more traders are purchasing XDC on exchanges like Bybit.

Can you buy XDC with fiat currency?

Fiat on‑ramps with XDC are available through exchanges like CEX.IO and Uphold. CEX.IO supports deposits in USD, GBP, and EUR, while Uphold allows USD and EUR funding. Both platforms let users convert these currencies directly into XDC, which is helpful for newcomers who prefer starting with traditional money rather than stablecoins.

Where can you buy XDC coin?

XDC crypto is available on several popular centralized exchanges that cater to various types of traders. Those wondering what exchanges is XDC on will find it listed on major platforms like KuCoin. Most platforms vary in features, offering options like fiat purchases, stablecoin pairs, or advanced trading tools. Regional access differs, so checking availability in your country is essential before signing up to buy or trade XDC.

What is the XDC Network?

The XDC Network is a hybrid blockchain developed by XinFin to bridge enterprise finance with decentralized technology. People often ask what network is XDC on, and the answer is that it operates entirely on its own native chain rather than relying on Ethereum or other blockchains. By combining public transparency for audits with private layers that protect sensitive trade data, XDC offers a practical solution to the centralized VS decentralized dilemma.

What is the maximum supply of XDC?

The max supply of XDC is permanently capped at 100 billion tokens. About 37.7 billion tokens are currently in circulation, with the rest allocated to ecosystem incentives and future releases. The network’s tokenomics also include a 20% fee burn on transactions, gradually reducing supply over time. These mechanics not only support enterprise stability but also influence XDC’s dynamics in crypto trading, where supply constraints often shape investor interest.

Is the XDC Network suitable for developers?

Developers curious about “What is the XDC Network?” often highlight its compatibility with the Ethereum Virtual Machine (EVM) as a key advantage. In other words, Ethereum smart contracts and token standards can be deployed without rewriting code, reducing the learning curve for teams already familiar with Ethereum tools. Combined with high throughput and its hybrid architecture, XDC provides an appealing environment.

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