Hold real US dollars, anywhere you live and work. Send - Receive - Spend & Earn in one App.

Your USDC is held in your own self-custodial wallet, and only you can authorise transactions from it. SmashPay Inc. is a financial technology company, not a bank, and is registered with FinCEN as a Money Services Business. In the US, money transmission is provided by our licensed partners. Balances are not deposits and are not FDIC-insured.

Your account is a self-custodial wallet, but you never handle seed phrases or choose networks. Sign up with a phone number. Stablecoin is the payment rail underneath — the way ACH is the rail under a Venmo payment.

Wise converts to local currency by default. SmashPay holds your balance as USD until you decide to convert, at an all-in cost of 1.19% to 3.49% depending on how much you send — or 0.99% to 2.89% to Mexico.

Yes. The apps and the web app are operating, and five corridors are open. Opening an account is free and nothing is charged unless you choose a paid plan.

Three steps, in the SmashPay hub. Sign up with your phone number, verify who you are with a photo of your ID and a selfie, then order your card. Your virtual card works as soon as you are approved.

No. You hold real US dollars without a US address, and you sign up with a phone number. There are no seed phrases and no chains to understand.

The account is free. Paid tiers — $10, $18 and $35 a month — buy a cheaper way to move money rather than extra features: a lower top-up fee, a tighter FX markup, free cash withdrawals and a higher rate on the balance sitting still.

Yes, through SmashPay Earn. Earn accepts USDC only. You choose one of six vaults curated by Gauntlet, across the Prime, Balanced and Frontier risk tiers plus USD Alpha, running on Ethereum and Base. Your USDC is lent to borrowers in that vault: rates are variable and not guaranteed, a vault can lose money, and withdrawals depend on the vault having liquidity. SmashPay takes 20% of the yield and the rate shown to you is net of all fees. Earn balances are not deposits and are not FDIC-insured. The full terms are Exhibit III of the Terms of Service.

Five corridors, and every one of them is open on every tier including the free one — a paid plan buys a cheaper transfer, not a longer list of countries. The Philippines, Mexico, Vietnam, Indonesia, Thailand and the United Arab Emirates, on local rails where they exist. See the full list. You can open an account across the US except New York, and in every country not on our prohibited list — see Availability.

A virtual card, free on every tier. It works at most merchants that accept cards; some categories are blocked, including fuel stations, gambling, crypto exchanges and food delivery — see Exhibit II of the Terms. A physical card is $35 plus shipping on Free, $25 on Plus and $15 on Premium, with no issuance fee on Metal. The metal card is $99 once, ordered from a waitlist.

Up to 4,500 SmashX Points per qualifying referral. Points are not a currency and have no cash value unless SmashPay says otherwise.

Yes. Business plans start at $19 a month and buy a lower rate on everything you convert, with USD accounts, corporate cards and payouts to any bank, wallet or card.

No. SmashPay is a financial technology company, not a bank. Your USDC is held in your own self-custodial wallet and only you can authorise transactions from it. Balances are not deposits and are not FDIC-insured.