XFlow | Ashwin Bhatnagar on Building Cross-Border Payments, SWIFT, Trust & Global Money Movement
Global payments move $150 trillion every year and much of that still runs on legacy systems like SWIFT. XFlow is company quietly building the Stripe for cross-border payments.
In this episode, Ashwin Bhatnagar, Co-founder, XFlow, breaks down how global money really moves, why SWIFT still dominates and how XFlow is building a modern payment stack for India’s exporters, platforms, and global businesses.
Ashwin was part of Stripe and Amazon, and he shares how that shaped XFlow’s documentation culture, product rigor, and obsession with clarity.
Timestamps:
(0:00) - Xflow overview and how money moves globally.
(2:54) - Ripple, Stripe, Circle & blockchain infra.
(4:01) - What it would take to build a better Swift
(5:35) - Global payment standards beyond Swift
(6:45) - Global UPI and the Alipay & WeChat Pay analogy
(10:42) - Xflow’s structure, Licenses & partnerships
(12:40) - GTM model and platform partnerships
(13:59) - Documentation culture at Stripe
🎙️ Featuring:
Ashwin Bhatnagar | Co-founder, XFlow
Linkedin: / ashwinb
X: https://x.com/abhatnagar