Pay

Money moves
in seconds.

Send to a friend, a vendor, or across borders — instantly. No fees on transfers, no FX markup on stablecoins, no "business days."

See payment rails →
● $0 P2P fees ● 180+ countries ● Instant settlement
Send to
AR
Ana Rivera
@ana.rivera · México
$248.40
Converts to MX$4,212.80 · mid-market rate
From Checking · $8,240.00
Via USDC · instant · $0 fee Recommended
Arrives in ~3 seconds
Payment rails

Every way money moves.

We route each payment over the best rail automatically. You just pick the recipient.

P2P
FinTechCo → FinTechCo
Instant to any member. Username, email, or QR.
● Instant ● $0 fee
ACH · WIRE
US bank transfers
Incoming ACH same-day, outgoing next-day. Wires in <1hr.
● Same-day ACH ● $0 wires
STABLECOIN
USDC · global
Send dollar-pegged stablecoins to any wallet on 8 chains. 24/7.
● ~3 seconds ● Network fee
FX
International · 180+ countries
Mid-market FX rate with a flat 0.3% margin. No hidden spread.
● Same day ● 0.3% FX
Global

Borderless, by default.

Your FinTechCo balance works in any currency. Receive USD from a US employer, spend pesos in Mexico City, and pay a contractor in Manila — all from one account.

  • Hold USD, EUR, GBP, MXN, and 20+ more
  • Zero FX fee with the Reserve Card
  • Virtual IBAN in EUR and GBP
WALLET · 4 CURRENCIES
🇺🇸US Dollar
$12,480.00
🇪🇺Euro
€3,240.00
🇬🇧British Pound
£1,820.00
🇲🇽Mexican Peso
MX$48,200