Pre-launch · Building now
Your family may live in two countries.
Your finances don't have to.
One family. One financial network. No borders.
2X is building a financial platform that connects families across countries so they can move money, see shared finances, save together and plan their future from one place.
We're building it now. Be one of the first families.
The problem
Families are global.
Their finances are not.
Millions of families live across multiple countries. One member earns in the United States. Their parents live abroad. A sibling studies somewhere else. Another family member may work in another country.
But today's financial system treats each person as a separate customer.
The family is connected.
Their money isn't.
- Different banks
- Different accounts
- Different currencies
- Different apps
- Different fees
- Different financial information
Today, supporting your family means sending money.
- Step 01Your U.S. bank account
- Step 02International transfer
- Step 03FX
- Step 04Fees
- Step 05Waiting
- Step 06Family member's bank account
The transaction ends. But the financial relationship doesn't.
You sent money.
You didn't become financially connected.
The insight
A family is a financial network.
We believe financial products are built around the wrong unit. Banking is designed around individuals. Businesses have financial infrastructure built around them.
But families, especially families living across borders, are still forced to piece together separate financial systems. 2X is built around the family.
One family. Multiple people. Multiple countries.
One financial network.
The platform
Meet 2X.
2X is building a financial platform where family members across countries can access, move, see, save and plan money together.
Move
Move money between connected family members.
See
Understand shared financial activity.
Save
Create and contribute to shared savings goals.
Spend
Give family members access to funds through 2X.
Plan
Coordinate financial decisions across countries.
Build
Eventually access more financial products together.
Long-term visionThe core experience
You shouldn't have to “send money abroad.”
Alex lives in the United States. His mother lives in Mexico. Alex receives his paycheck.
- Allocated → Mom$500
- Allocated → Family Home$300
- Allocated → Savings$200
The goal: make cross-border money movement feel like moving money between connected family members.
2X is being built to minimize the fees, delays and friction traditionally associated with cross-border transfers.
Key product principle
The border shouldn't exist inside your family's finances.
- U.S. bank
- →Transfer
- →FX
- →Intermediary
- →Mexican bank
The border disappears from the experience.
The underlying infrastructure may span multiple financial institutions and payment networks. But the user experience should feel like one connected financial system.
Transparency
See where the money goes.
Today, sending money often means:
Trust → Send → Hope
2X is designed around:
Trust → Transparency → Collaboration
Instead of sending money and losing visibility, families can build a shared financial picture around the money they already move.
- Alex+$500
- Mom+$100
- Carlos+$200
Product concept
Privacy
Shared finances don't mean zero privacy.
Families should be able to collaborate financially without giving everyone access to everything. 2X is being designed around granular permissions.
- ✓Family contributions
- ✓Shared goals
- ✓Goal progress
- ✓Allocated family funds
- ✕Personal purchases
- ✕Private accounts
- ✕Unrelated spending
The goal isn't surveillance. It's financial involvement. Every family member controls what becomes part of the shared financial layer.
- Family goals Shared
- Shared contributions Shared
- Allocated funds Shared
- Personal spending Hidden
- Private accounts Hidden
The difference
Existing products move money.
2X connects people.
The difference isn't just a better transfer. It's a different financial model.
Why now
The people became global.
The financial system didn't.
Families increasingly live, work and study across countries. At the same time, modern financial infrastructure makes it possible to build digital experiences across:
- Digital banking
- Payment APIs
- Real-time payments
- Identity infrastructure
- FX
- Embedded financial services
The technology is changing. The family is changing. Financial infrastructure is still organized around borders.
2X is built to bridge that gap.
Market
We are not just building a better remittance product.
Remittances are the initial wedge because they represent an existing, recurring financial relationship. But the opportunity extends far beyond money transfers.
- Payments
- Cards
- Savings
- Credit
- Insurance
- Investments
- Financial planning
- The global family
The larger opportunity: the financial life of the global family.
Business model
Monetize the family relationship.
Not just the transfer.
Payments
Financial activity and FX.
Cards
Interchange.
Premium
Advanced family financial tools.
Financial products
Credit, savings, insurance and investments through appropriate regulated partners.
Share of family wallet
Number of transfers
The goal is to increase the percentage of a family's financial activity happening inside 2X.
Distribution
One user can bring an entire family.
- 01One person joins
- 02Invites Mom
- 03Mom joins
- 04Family creates a goal
- 05Sibling joins
- 06More money moves through 2X
- 07More products become useful
- 08Family becomes more connected
Cross-border finance is inherently relational. Every family member can become a distribution channel to another family member.
Long-term vision
From remittances to family banking.
- TodayMove money
- TomorrowManage money together
- Save together
- Spend together
- Build credit
- Invest
- Build wealth across generations
Our ambition is not to build another remittance app. It is to build the financial infrastructure for families whose lives span multiple countries.
A financial network for the global family.
Early access
Be one of the first families on 2X.
We're building with the people who experience cross-border family finance every day. We're still finalizing where we launch first, and early members help shape that decision.
Build with us
Help us build it with you.
We're speaking with people who regularly support family across borders to understand what they need from a shared financial platform.
FAQ
Questions.
Your family may live in two countries.
Your finances don't have to.
2X is building the financial network that connects families across borders.
Join the waitlistOne family. One financial network. No borders.