For many Indian businesses receiving international payments, the cost of a transaction often extends beyond the amount transferred. Banks typically apply a 1.5-3.5% spread above the mid-market foreign exchange (FX) rate on inward remittances, while SWIFT transfers can take between 2 to 5 business days to settle. Hidden charges, intermediary bank fees and compliance-related delays can further impact settlement timelines, cash flow and the final amount businesses receive.

As more Indian businesses expand into global markets, understanding these payment challenges has become increasingly important. Through #XflowDash, Xflow aims to raise awareness of these common payment friction points by presenting them through an interactive browser game. 

At the centre of the campaign is Xflow Dash, an arcade-style infinite runner game where players navigate obstacles such as hidden fees, poor FX rates, compliance delays, SWIFT holds and intermediary bank charges while collecting Xflow Shields, representing protection against these common payment frictions.

Instead of simply talking about cross-border payment challenges, Xflow Dash recreates them through gameplay. The campaign gives businesses a chance to experience familiar payment hurdles in an interactive way, helping raise awareness of the hidden costs and delays that can impact international payment collections. 

The campaign was supported by a coordinated social media activation across X and LinkedIn under the hashtag #XflowDash. On 29 June 2026, the hashtag ranked No. 1 in India’s Business & Finance category on X, generating more than 2,700 mentions and a reach of 781.9K, while remaining on the trending list for over 4 hours. The campaign also saw organic participation from founders, fintech professionals and members of the startup ecosystem, who shared gameplay scores, screenshots and reactions across social media. Influencers like Ali Solanki, with over 47k followers, also shared the video on their channel, appreciating the initiative.

Commenting on the initiative, Ashwin Bhatnagar, CEO & Co-founder, Xflow, said: “Payments infrastructure isn’t a category that easily gets people excited, but the challenges businesses face are very real. Hidden fees, payment delays and poor FX rates are common experiences for companies receiving international payments. With Xflow Dash, we wanted to present these challenges in a way that was simple and easy to relate to. If businesses recognise these issues while playing the game and begin thinking differently about how international payments work, we’ve achieved what we set out to do.”

With #XflowDash, Xflow is using gamification as part of its customer awareness efforts to encourage greater understanding of the hidden costs associated with cross-border payments. By combining an interactive browser game with a social media campaign, the initiative aims to make conversations around international payments more accessible while encouraging businesses to better understand the challenges involved in collecting payments globally.

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A 3‑in‑1 account is an integrated banking solution that combines a savings account, a trading account, and a demat account into a single, seamless platform, allowing customers to manage their money, invest in shares, and hold securities without the need to move funds between different accounts.

The enhanced AU–Motilal Oswal 3‑in‑1 Account integrates AU SFB’s Savings Account directly with the Motilal Oswal Riise App, enabling customers to invest and trade without the need for repeated fund transfers between their bank account and trading platform.

Earlier, customers were required to manually transfer funds from their AU SFB Savings Account to their trading account before placing a trade. This approach presented two key challenges:

• Funds moved out of the Savings Account, resulting in a loss of savings account interest during the period between fund transfer and trade execution.
• Customers had to navigate the repetitive and time-consuming process of transferring funds each time they wished to trade.
• The unutilised funds would remain in the trading ledger for which payout request had to be placed

To make the process seamless, AU SFB and Motilal Oswal Financial Services have redesigned the experience from the ground up:

• Once a customer opens an AU–Motilal Oswal 3‑in‑1 Account, the AU Savings Account is seamlessly linked to the Motilal Oswal Riise App.
• At the time of placing a trade, only the required amount is placed on hold, instead of being transferred out of the Savings Account.
• The remaining balance continues to stay in the AU SFB Savings Account, allowing customers to earn savings account interest right up to trade execution.

This enhancement eliminates the need for customers to choose between earning interest and staying ready to trade; both now happen simultaneously. By removing operational friction and delivering a tangible financial benefit, the new feature makes trading simpler, more transparent, and more rewarding, particularly for active investors.

Sanjay Agarwal, Founder, MD & CEO, AU Small Finance Bank, said, “At AU, we continuously look for ways to remove friction from everyday banking and investing experiences. With this enhancement to our 3‑in‑1 Account, in partnership with Motilal Oswal, we have addressed a key customer pain point, ensuring that funds remain in the savings account and continue to earn interest until a trade is executed. By bringing together strong banking fundamentals with a seamless trading ecosystem, we are making investing simpler, more efficient, and more rewarding for customers. As we move forward on our journey towards becoming a Universal Bank, our focus remains on building thoughtful, customer‑centric solutions that combine convenience, transparency, and long‑term value.”

Ajay Menon, MD & CEO, Wealth Management, Motilal Oswal Financial Services, said, “At Motilal Oswal, we believe that investor experience improves when operational friction is reduced. This enhancement to our 3-in-1 Account with AU SFB addresses the need to pre-transfer funds before trade execution, ensuring that customer funds remain in their savings account and continue to earn interest until the point of actual trade settlement. Our association with AU SFB is longstanding; as early-stage investors, we have observed AU’s growth from a regional NBFC to India’s largest Small Finance Bank, now awaiting transition to a Universal Bank. That history reflects a shared commitment to transparent, customer-centric financial services. This feature is a step toward making investing more efficient and financially optimal for our customers, and we look forward to deepening this partnership with AU.”

The enhanced AU–Motilal Oswal 3‑in‑1 Account is expected to strongly appeal to both new‑to‑bank (NTB) and new‑to‑investing customers. For first‑time investors, the upgraded proposition offers a compelling combination of the safety and interest‑earning benefits of a bank savings account with the convenience of seamless trading access, all within a single integrated platform.

The post AU Small Finance Bank and Motilal Oswal Financial Services announced Enhanced 3‑in‑1 Account Experience appeared first on newsmantra.in l Latest news on Politics, World, Bollywood, Sports, Delhi, Jammu & Kashmir, Trending news | News Mantra.