How to Get Your Xuno Business Account Live in Under 48 Hours

If you read Part 1, you already know what's broken about US–Nepal business payments — the hidden fees, the slow SWIFT wires, the exchange-rate markups nobody warns you about. You don't need the recap.

This is the practical part: exactly what you do, step by step, to open your Xuno business account and start sending money to Nepal from the USA — so you can pay your Nepal contractors at the bank rate, settle funds in under 24 hours, and never deal with a SWIFT wire again.

New here? Part 1 covers the why. This one covers the how.

How Xuno Business Payments to Nepal Work

Step 1 — Complete Your One-Time Business Verification

Nepal is a high-scrutiny payment corridor under global financial guidelines, and Nepal Rastra Bank (NRB) rules mean cross-border transfers from unverified businesses get flagged at the receiving Nepali bank. That's where most delays come from.

Verify once on Xuno. Every business payment to Nepal after that moves without a hitch.

What you'll need to verify your business

• Legal Business Name
• Business Type — LLC, S-Corp, C-Corp, Sole Proprietorship
• Business Registration State
• Date of Incorporation
• Employer Identification Number (EIN)
• Business Category
• Business Website, Phone, Email and Full Address

Your IRS SS-4 letter and state formation documents have everything on this list.

Who in your business needs to be on the account?

During verification, you'll identify three types of people. Here's what each one means.

• The Administrator — the person setting the account up. They certify all other users. No identity verification required, but they need to be linked first.
• The Controlling Officer — someone with real authority over the business, who can sign contracts and make decisions on its behalf. Every account needs at least one. Identity verification required.
• The Beneficial Owner — only applies if someone owns 25% or more of the business. Nobody crosses that threshold? This step doesn't apply to you.

For each person, you'll need their full legal name, role, ownership percentage, SSN or ITIN, phone number, email and address.

How long does it take to open a Xuno business account?

With documents ready, submission takes 5 to 10 minutes. Review takes 1 to 2 business days. Most platforms in this corridor average 3 to 5 days — Xuno's target is under 48 hours.

Once approved, your USD Virtual Account credentials are issued instantly.

Step 2 — Fund Your Xuno USD Virtual Account

Once your account is approved, you can fund your Xuno USD Virtual Account the same day. Transfer via ACH, domestic wire or a linked bank account. Your USD sits securely with regulated banking partners until you're ready to send NPR to Nepal.

Step 3 — Add Recipients and Send Money to Nepal

Adding a Nepal recipient requires their bank name, branch, account number and a purpose of payment — a standard regulatory requirement for all cross-border transfers into Nepal.

Once a recipient is saved, every future payout to them takes minutes.

Paying multiple contractors? Upload a CSV and pay all of them from one dashboard — bulk contractor payments with no per-wire fees and no repeating the same process fifteen times.

Set Up Once. Send Without Friction.

Business verification is what makes fast, clean settlement possible on the Nepali side. You do it once and the US–Nepal payment corridor stays open — every transfer after that is faster, cheaper and more predictable than anything the traditional SWIFT system offered.

Open Your Xuno Business Account