XFOC is the next-generation blockchain solution for banks, providing the services needed globally to open bank accounts online. It will come with a dedicated XFOC mobile app and wallet, facilitating the management of bank accounts holding multiple currencies and cryptocurrencies. Banks supporting XFOC will have SWIFT codes, enabling cash withdrawals and deposits at banks worldwide. Wallet users will receive a cash card allowing them to withdraw cash through global banking partners. XFOC also plans to enter the QR code payment business, making this wallet-based payment method usable in stores and shops globally. The XFOC token is expected to be adopted by banks in the spring of 2020.