One balance, not five
Send USDC or USDT from any wallet or exchange and it lands as one balance. Dollars, pounds, euros or naira are bought at the moment you send, at the rate on the screen you approved.
Built for cross-border business
One balance.
One balance.
Paid out anywhere.
Keep your money in one balance, in USDC. Pay a factory in Shenzhen, a school in Manchester or a seller in Lagos, and each one is paid in their own currency, from the invoice they sent you.
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- No minimum balance
- Verify once, then send anywhere
- The invoice goes with the payment
Lagos sends
Shenzhen paid in ¥
London paid in £
Who this is for
The people on the other end of the money
A container that only ships once the supplier is paid. A workshop waiting on a deposit. A trader in Lagos who needs the balance to move today, not on Monday.
Pay the supplier, ship the container
Importers paying factories and freight forwarders against a proforma invoice
Deposits, on time
The half up front that gets your order into the queue
Naira at the other end
Paid into a Nigerian bank account over NIP
Photographs by Tom Fisk, Hoang NC and Dokun Ayano, hero footage by DeLuca G, on Pexels.
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Chains you can top up from
0
Ways your money can land at the other end
< 30 sec
For a top-up on Base to reach your balance
1 day
What we aim for on a business review
The product
Everything a cross-border payment needs, in one place
Payments abroad go wrong in dull ways: a digit missing from an account number, a business nobody checked, a rate that moved while you were filling in a form. Each of those has an answer here.
Pay straight from the invoice
Photograph the proforma. We read the name on the account, the bank, the SWIFT or IBAN and the amount, and hand each one back to you to check against what your supplier sent.
The right rail, chosen for you
ACH, Fedwire, RTP, FedNow, Faster Payments, CHAPS, SEPA, NIP or SWIFT. You tell us where the money is going; we show the ways that reach it, what each costs, and how long it takes.
One price, before you send
The bank's cut, ours, and any flat fee are listed separately before you approve. Fees are added on top, so your supplier is paid every penny the invoice asks for.
Business accounts, properly
Your CAC number, your directors, who owns the company and the documents behind it. You send them once, a person reads them, and that covers every country you pay into afterwards.
A PIN on every payout
Six digits release the money, and nothing else does. Your face or fingerprint opens the app; the PIN is what sends. Get it wrong too many times and it locks.
See it work
Have a look before you sign up
Five screens, from opening the balance to approving a payment. Tap one to jump to it, or leave it alone and it moves on by itself.
Get it on your phone
Coming soon to the
App Store
Coming soon to
Google Play
How it works
Four steps, sign-up to paid
Open the account
An email, a password, and a phone number we send a code to. Your balance and your deposit addresses are there straight away, so money can reach you before anything else happens.
Verify who you are
On your own: some ID and an address. As a business: your CAC number, your directors and the papers behind them. You send it once and a person reads it, usually within a day.
Fund the balance
Send USDC or USDT to your own address on Ethereum, Base, Arbitrum, Optimism, Polygon, BNB Chain or Avalanche. It shows up as one balance, whichever you pick.
Send it abroad
Choose where it goes, upload the invoice, check what we read off it, approve with your PIN. You get a reference to give your supplier and a receipt you can forward.
Corridors
Where your money can go
Money comes in over a chain and leaves over a bank rail. These are the ones switched on today. What each costs and how long it takes is on the screen before you approve anything.
USD
US Dollar
United States
ACH
Fedwire
RTP
FedNow
SWIFT
GBP
Pound Sterling
United Kingdom
Faster Payments
CHAPS
SWIFT
EUR
Euro
SEPA area
SEPA Instant
SEPA Credit
SWIFT
NGN
Nigerian Naira
Nigeria
NIP instant transfer
$
USDC
Money in
Ethereum
Base
Arbitrum
Optimism
Polygon
BNB Chain
Avalanche
$
USDT
Money in, held as USDC
Ethereum
Base
Arbitrum
Optimism
Polygon
BNB Chain
Avalanche
Invoice-first
The invoice is the instruction
Nearly every big loss on a payment abroad starts the same way: somebody copied an account number out of an email. So we read the account off the document your supplier sent, and ask you to confirm it line by line.
Nothing typed by hand
The name, the bank, the SWIFT or
IBAN, the amount and the currency all come off the document.
You check it before it goes
We show every field we read back to
you, and you tick that it matches what your supplier sent.
Filed with the payment
The invoice stays attached to the
transaction, so your accountant already has the paperwork.
Proforma invoice PI-4471
Extracted · awaiting your confirmation
AI read
- Beneficiary
- Shenzhen Optics Ltd
- Bank
- Bank of China
- SWIFT / BIC
- BKCHCNBJ
- Account
- •••• 4471 09
- Amount
- $12,480.00
- Rail
- SWIFT · 24 hours to 2 days
Bank details on an invoice can be tampered with. Confirm them with
your supplier on a channel you already trust.
Apapa Freight Ltd
Business account · KYB
In review
- Registration
- RC 1948220
- Incorporated
- Lagos, Nigeria
- Directors
- 2 on file
- Owners from 5%
- 2 declared
- Documents
- CAC cert · Utility bill · Director ID
For business
How business accounts work
Verify once, then send anywhere
Nobody should have to send the same certificate of incorporation four times because they started paying a new country. We take your company papers once and use them everywhere you send.
Proper business checks
Registration number, where and when
you were incorporated, your directors, who owns 5% or more, and
the documents behind all of it.
Save and come back
The list remembers where you got to.
Chase a director for their passport and finish the rest
tomorrow.
A person decides
A person reads what you send. If
something comes back, we say which part and why.
Questions
The things people ask first
Do I have to verify before I can use the account?
Not to receive. You can open the account and top up straight away. Verification is what stands between you and sending money out to somebody else. That's the point where the law requires us to know who you are.
What do you need for a business account?
Your registration number (CAC in Nigeria, the equivalent registry elsewhere), the company's registered details, each director's name and identification, anyone owning 5% or more, and supporting documents. That usually means the certificate of incorporation, a recent proof of the business address, and ID for the directors.
How do you screen for sanctions?
Every customer is screened at onboarding, every beneficiary before a transfer reaches them, and the whole book again whenever a sanctions list changes. A designation published today applies to an account opened two years ago, so we don't wait for the next review. Our AML, CFT and KYC policy sets out the lists we screen against and what happens on a match.
How do you decide which rail my transfer takes?
From where it's going and in what currency. Money to the US can go by ACH, Fedwire, RTP or FedNow; to the UK by Faster Payments or CHAPS; across the euro area by SEPA. We show what each one costs and how long it takes, and you choose. We never quietly move you to a slower one.
Why does it insist on an invoice?
Because typing bank details by hand is how the money goes to the wrong place. Reading them off the document you were sent, and asking you to confirm each line, catches both a mistyped account number and an invoice somebody interfered with on the way to you.
What happens if I forget my transaction PIN?
Set a new one from Profile → Security, after proving it's you. Nobody here can read your old one, because we only keep a scrambled copy to check against. Too many wrong guesses and sending locks for a while, which is the point.
Is my money held as stablecoins?
Yes, your balance is USDC, a dollar stablecoin. Send USDT instead and it converts as it arrives, so there is one balance to keep track of rather than two. When you pay out in pounds, euros or naira, that currency is bought as the transfer goes, at the rate on the screen you approved. Nothing is held in fiat on your behalf.