XMDS Holding announces a strategic expansion with the launch of XPP. This establishes two cornerstone companies within our holding structure: Ximedes, focusing on custom software solutions, and XPP, which becomes the umbrella organisation for our established payment products: Vayapay, Ginger Payments, KUARIO, and Pecunda.

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Strengthening Our Position in European Payments

XPP represents a significant milestone for XMDS Holding, reaffirming its commitment to excellence in payment solutions. This strategic structure enables XMDS Holding to serve the market through both custom software development via Ximedes and proven payment products through XPP. Our product suite builds on years of innovation, expertise, and dedication to deliver unparalleled payment solutions. These products serve thousands of clients across Europe, ensuring seamless payments and transactions in various sectors.

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Market Impact and Reach

Our payment products are embedded in critical infrastructure across Europe:

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• Libraries: Serving institutions across Sweden, UK, Netherlands, and Germany
• Banking: Supporting major institutions like Rabobank and payment service providers like Fiserv/EMS and Xpate
• Education: Enabling smooth transactions at universities throughout the Netherlands and Germany
• Transport: Providing contactless EMV and digital ticketing solutions for Nordic operators including Flytoget and FARA

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Vision and Impact

"Our mission is to modernise embedded transactions and payments with scalable payment solutions," says Tom van der Poel, CEO of XPP. "Under the XPP umbrella, we offer specialised SaaS solutions for various sectors, from education and public facilities such as libraries and post offices, to public transport and financial services. Each platform removes the complexity of payments within its specific domain, with proven technology that perfectly aligns with sector requirements."

"From morning coffee in the canteen, a journey on public transport, to printing at the library – across Europe, people unknowingly use our XPP technology every day," van der Poel continues. "Our standardised SaaS solutions enable libraries, post offices, universities, transport operators and financial institutions to process embedded payments seamlessly. Through this integration, we help organisations operate more efficiently and provide their customers with a smoother experience."

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Leadership Perspective

"The launch of XPP marks a significant milestone for XMDS Holding," says René Hodde, our Founder and CEO. "While we're known for our expertise in payment software, XPP elevates our offering by bringing our proven payment products under one umbrella. This focused approach empowers our clients to thrive while strengthening our position as a leader in the payments industry."

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About XMDS Holding

XMDS Holding brings together two distinct technology leaders:

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• Ximedes: Delivering custom software solutions for FinTech and FareTech
• XPP: Housing our established payment products that serve multiple sectors including public transport, universities, financial services, and public facilities

Together, they provide solutions for both open and closed loop situations where payments are 'embedded' to provide a frictionless customer experience.

Contact us to learn more about our expanding portfolio of payment solutions.

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