How It Works
A simple, secure process for employers and employees to build wealth with next-generation assets.
How the Process Works
Contract and Licensing
For the referral agreements, we sign the deal with the customer.
Xucre Investments signs a SaaS based agreement with your company.
Number of annual licensing fees and billing schedule finalized.
Employee Enrollment
Xucre sends a secure onboarding email to all employees covered by the licensing fees, inviting them to allocate funds into investment portfolios.
Xucre will market to the employees throughout the duration of the year to their corporate email addresses, encouraging them to participate in the investing program.
Employees select their preferred contributions or allocation percentages.
Retention and Lump Sum Transfer
Each month, Xucre will provide you with the employee emails and monthly contribution amount. The expectation is that when Xucre provides it, the following payroll will reflect the contribution amounts. For example, when Xucre sends the contribution amounts on January 30th, it will be for the payroll period of February.
Xucre Investments will invoice you for the total allocation amount on a monthly basis along with the itemized contribution amounts.
Fund Management
Upon payment, Xucre Investments:
Transfers the cryptocurrencies to employee portfolios.
Provides secure transaction IDs and confirmations to each employee.
All investments are managed in the employee online safe, ensuring employee control over their funds.
Fund Distribution
At any point in time, after funds are deposited into the SAFEs, the employees can generate a request to transfer funds into their personal wallets or bank accounts.
For personal wallets, this is any other EVM compatible wallet such as MetaMask, Phantom or WalletConnect wallets. Once the request is made, the transfer of funds will occur within 24 hours maximum.
For bank account transfers, users will have to provide self identifying information to our payment processor partners including their bank account information. Our payment processing partners will report the disbursement and users may incur fees from their banks once the funds are deposited into their accounts. Bank funds take 3-5 business days but may take longer, depending on local banking norms.
Employees can reach out and move funds at any time, we will approve without question and offer guidance in case there may be other options available to them, such as loan programs or grants.
Compliance Highlights
- Compliance information will be available soon.
Need more details?
Our team can walk you through the implementation process and answer any questions.
Contact UsXucre Investment Plan – Key Features at a Glance
Area | What it delivers | Why it matters |
---|---|---|
Blended‑asset "sleeves" (opt‑in) | RWA Treasuries via Mountain Protocol USDM • Tokenised US‑stock wrapper (S&P‑style index) • Yield‑bearing stables (e.g., Ethena USDe/sUSDe) • Crypto Core Index (BTC, ETH, SOL …) | Gives each employee a menu that mixes traditional yield, equity exposure and crypto growth in one plan, rather than forcing an all‑crypto bet. |
Self‑custody by default | Assets sit in the employee's wallet (Xucre or existing), secured by multi‑sig + institutional insurance. | Eliminates employer custodian liability and lets talent retain control when they change jobs. |
Cross‑border compliance engine | Rules‑based geofencing and KYC/AML layers map offerings to 20+ target jurisdictions; Brazil equity/crypto blocked until CVM rules evolve. | HR teams avoid one‑off local pension providers and stay inside regional regs. |
Glide‑path models | Default allocations start ≤ 20% crypto and auto‑rebalance quarterly; employers or employees can tighten or widen caps. | Tames volatility and satisfies fiduciary "duty of prudence" concerns. |
3(38) outsourced fiduciary (optional) | Premium tier includes Xucre‑appointed investment manager that formally assumes ERISA oversight for U.S. entities. | Removes a major legal headache for CFOs and People Ops. |
Transparent pricing | • Basic $3 / employee / mo – RWA Treasuries + tokenised stocks • Plus $8 – adds stable‑coin yield sleeve • Premium $13 – adds crypto index + 3(38) fiduciary | Simple SaaS line‑item for finance; no hidden AUM fees, only a 3% buy‑in cost on contributions. |
Instant‑liquidity buffer | Contributions earmarked for short‑term access land first in yield‑bearing stables before scheduled reallocation. | Lets employees make penalty‑free withdrawals for emergencies without selling long‑term positions. |
Payroll & ERP integrations | Plug‑and‑play APIs (or flat‑file) connect to any payroll; live contribution data feeds employer dashboards and SOC‑2 audit trail. | Fast rollout and no disruption to existing finance stack. |
Quarterly reporting + education portal | Performance, risk metrics, and tax summaries in English, Spanish & Portuguese; on‑demand tutorials on self‑custody and RWA tokens. | Boosts adoption and satisfies disclosure requirements across regions. |
Portability & off‑ramp options | Departing employees can keep assets in their wallet, roll into another Xucre plan, or off‑ramp to fiat (ACH/SPEI/SWIFT). | Removes the rollover friction typical of legacy 401(k)s. |
Ready to get started?
Schedule a demo to see how Xucre can help your global team build wealth with next-generation investment strategies.
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