What happens if xchange the company fails

Your coffee and your money do not depend on xchange staying in business. The coffee sits in a bonded warehouse under its own title. Buyer funds sit in a settlement account at a partner bank. Any financing is secured by a pledge recorded against the warehouse title.

If the platform were to disappear tomorrow, the warehouse still holds the coffee, the bank still holds the account, and the title and pledge still stand. xchange arranges and records; it is never the thing standing between you and your asset.