👤👤👤 The Team Matters

Behind every strong product, there’s a stronger team, a group of people who care not just about what they build, but how they make it.

❤️ At CrossFi, it’s not just about technology or innovation; it’s about the people who make it happen.

The ones who bring expertise, creativity, and dedication into every release, every feature, and every small detail that make the experience seamless and secure.

🚀 When the team shares one vision, the result speaks for itself.

🎄 Security Tip #1: Watch Out for Holiday Phishing

Too many discounts? Some might cost you more than you think 👀

Scammers get extra active during the festive season: fake links, “urgent” messages, and cloned websites are everywhere. Stay alert and protect your wallet:

✅ Always double-check URLs before clicking

✅ Don’t trust “limited-time” offers or DMs asking for info

✅ Use only official CrossFi links when managing your funds


Enjoy the holidays and stay safe with CrossFi🛡

❤️Inside the CrossFi Ecosystem


❤️XFI for network power.

❤️MPX for governance and rewards.

💵The CrossFi App for everyday payments.

💳The CrossFi Card for global spending.

💠The XFI Console for full on-chain control.


One ecosystem. Total ownership.

👉https://crossfi.org/

🏆CrossFi Wins “Best Mobile Banking Initiative APAC 2025”

We’re proud to announce that CrossFi has been awarded Best Mobile Banking Initiative APAC 2025 by GFM Review - a global financial media outlet followed by FT100, Fortune 500 leaders, and high-net-worth readers.

🚀This award recognizes our work in building a seamless Web3 banking experience with:

• Dual-blockchain architecture

• A non-custodial app for everyday finance

• Our on-chain debit card converting crypto → fiat in real time

💙We’re proud of this milestone and grateful to our community for growing with us

💎The future of banking is in your hands.

🔐 Non-custodial, explained simply

In traditional banking, your money isn’t really yours. You hand it to a third party — they store it, manage it, and decide when you can use it. That’s the custodial model.

Non-custodial flips this around.


✅You stay in full control of your assets.
✅No bank, exchange, or middleman can freeze or move your funds.
✅With your private keys, the power is always in your hands.


In Web3 and DeFi, this isn’t just a feature - it’s the foundation of financial freedom.

❤️That’s why we built CrossFi on non-custodial rails: so you can store, send, and spend crypto with true sovereignty — protected by on-chain transparency and enterprise-grade security.

❤️Because the future of finance isn’t about trusting someone else with your money. It’s about never giving up control in the first place.

✅ Security is the new luxury.

In a world where convenience is everywhere, control has become the rarest commodity.

❤️At CrossFi, we believe real freedom starts with security and not marketing promises.
Your assets stay in your hands, protected by encryption, verified on-chain, and never accessed by third parties.

🛡 Because luxury isn’t about what you own. It’s about knowing it’s truly yours.

🪙Finance without the friction

No delays. No complicated processes.

❤️With CrossFi, you can pay, stake, earn, and manage your funds from one seamless environment.

It’s fast. It’s transparent.
It’s built for real daily use.

🛡Safe Shopping, Smarter Payments


🎁 Gift safely. Shop smart. Stay secure with CrossFi.

The festive season brings excitement, but also more online scams. At CrossFi, we care about your security and want every purchase to feel safe.


Here are a few simple tips:

✅ Use trusted cards when paying online
✅ Avoid saving payment details on unfamiliar websites
✅ Always double-check links before entering information

Every CrossFi transaction is encrypted and verified on-chain so your funds remain protected at every step.

💎Your safety is our priority.

❤️Your finances adapt to your lifestyle.

💳One card, instant conversion, global acceptance.

Whether you’re landing in a new country or grabbing a taxi downtown, CrossFi moves with you, without exchange rates or hidden fees.

💎Your world. Your rules.

🎄 Your Guide to Hassle-Free Holiday Gifts

Holiday shopping shouldn’t feel overwhelming. With CrossFi, you can focus on giving, not worrying.
Here’s how to keep it simple this season:


💳Pay instantly with the CrossFi Card
You can shop online or in-store and let your digital assets convert to local currency automatically.

🛍 Skip the bank delays
No pending approvals or unpredictable holds. Just smooth payments wherever you are.

🌍 Shop globally without exchange headaches
Perfect for gifting across borders or ordering from international stores.

❤️Keep everything in one place
Track your spending in the app and stay in control throughout the festive rush.

Make giving feel good again.

🔐 Secure Devices Before You Celebrate

Your phone deserves a security check-up before the holidays 🎄📱

Before you travel or head off to celebrate, take a few minutes to protect what protects you:


✅ Update your apps and operating system
✅ Enable two-factor authentication
✅ Lock your devices with strong passwords or biometrics
✅ Avoid public Wi-Fi for financial activity

A quick check today can save you from bigger problems tomorrow.


❤️CrossFi cares about your safety. Enjoy the holidays securely.

🛍 Shop Anywhere, Worry-Free

Holiday markets, your favorite online stores, local boutiques, global brands and your CrossFi Card adapts to every place and every moment.

🌎 Whether you're shopping at home or exploring new countries, your payments stay simple and predictable.

No exchange rate stress. No unpredictable bank holds. No hidden surprises.

Your digital assets convert to local currency instantly at checkout, so every purchase feels smooth, fast, and completely under your control.


❤️With CrossFi, you can travel freely and shop confidently, knowing your finances move with you wherever you go.

💎 Security is the new luxury.

Everyone sells convenience.Few deliver control.

❤️With CrossFi, your money doesn’t live on someone else’s server and it lives with you.

✅Encrypted. Verified. Untouched.

That’s not just fintech. That’s freedom.

❤️Your Card, Your Freedom

💳From morning coffee to weekend trips, one card connects all your daily payments.
Instant conversion, global acceptance, full control of your assets.

This is what modern finance looks like.

🔮 Annual Predictions: The Future of Everyday Finance

A new year brings new momentum.
And the shift from traditional banking to real, user-controlled finance is accelerating faster than ever.


Here’s what we predict for the year ahead:

📱 Digital-first payments become the default
People will expect instant, borderless transactions without friction.

🛡 Non-custodial models gain mainstream attention
Security and ownership will become non-negotiable.

💳 Global spending gets easier
More travelers will choose cards that work anywhere without hidden fees or currency chaos.

💠 Real utility replaces speculation
Digital assets will be judged by what they enable, not just what they’re worth.


❤️CrossFi sits at the center of this shift: simple payments, full control, real transparency.

This year, finance becomes smarter, faster, and truly yours.

🎁 Last-Minute Shopping, Done Safely

Buying gifts at the last moment can be stressful, but your payments should stay secure.

Last-minute shopping often means rushing through checkouts, clicking fast, and trusting unfamiliar websites. That is exactly when scams happen. At CrossFi, security is built into every transaction so you can focus on the moment, not the risks.

A few smart reminders for last-minute purchases:
✅ Pay only on trusted websites

✅ Avoid saving card details on new or unknown stores

✅ Double-check links before entering any information

Every CrossFi transaction is encrypted and verified on-chain, keeping your funds protected even when shopping in a hurry.

🔒Your safety comes first. Even at the last minute.
Shop smart and stay secure with CrossFi 🛡

🎁 Last-Minute Shopping Can Be Stressful. Your Security Shouldn’t Be.

Rushing to buy gifts at the last moment often means quick clicks and less attention. That is exactly when scammers take advantage.

Fake links, urgent messages, and cloned websites become more common during busy shopping periods. A few extra seconds can make all the difference.


Stay secure while shopping:

✅ Always double-check website URLs before clicking

✅ Be cautious with “last chance” offers or messages asking for personal details

✅ Use only official CrossFi links when managing your funds

Shop with confidence and keep your assets protected, even at the last minute.


🛡Stay safe with CrossFi

🎄✨ Warm Holiday Wishes from the CrossFi Team


⭐️As the year comes to an end, we want to say thank you for being part of our journey.

✅Your trust, curiosity, and support inspire us to build better, safer, and smarter financial tools every day.

♥️ Thank you for being part of the CrossFi community and for trusting us along your journey.


We truly appreciate your support and look forward to creating even more value together.

🎁🎄✨ May your New Year begin with clarity, comfort, and confidence