Priced before you confirm
No spread discovered after the fact. The all-in cost of a conversion is shown while you can still walk away.
About SmashPay
A USD account on stablecoin rails, for people who earn dollars from anywhere and want to keep them.
Earning in dollars should not depend on where you were born
Millions of people invoice in USD from countries where holding dollars is hard. The usual answer is a US bank account you cannot open, or a remittance rail that takes a cut you only see afterwards. SmashPay is the third option: a USD balance you actually control, on rails that already settle trillions.
100%Self-custodialHeld in your own self-custodial wallet, never by SmashPay.
1.19–3.49%All-in conversionEvery fee and spread included, shown before you confirm.
5Live corridorsPhilippines, Mexico, Vietnam, Indonesia and Thailand.
A financial technology company, not a bank
SmashPay Inc. is a FinCEN-registered Money Services Business. We are not a bank and we do not take deposits. Your USDC is held in your own self-custodial wallet, and balances are not FDIC-insured.
- 01
Custody, not deposits
Held in your own self-custodial wallet, never by SmashPay.
- 02
Licensed card issuance
SmashX cards are issued through a licensed BIN-sponsor program with ALL/GL coverage.
- 03
Screened before issuance
Identity and business verification runs through our regulated compliance partner before an account or card is opened.
The rules we hold ourselves to
Nothing converts on its own
Balances stay in USD until you choose otherwise, or until the moment a card authorises. You are never left holding a currency you did not ask for.
No wallet, no seed phrase
Stablecoin rails sit underneath the account. You never handle a wallet address, a seed phrase or a chain.
Regulated where it counts
A FinCEN-registered Money Services Business running an AML/BSA program, with KYC and KYB screening by our regulated compliance partner.
Held in your own wallet
Your USDC sits in your own self-custodial wallet, and only you can authorise transactions from it.
Built for the corridors we serve
Local rails where they exist, stablecoin where they do not — chosen per corridor rather than one rail for everyone.
Where we are today
Is SmashPay live?
Yes. Both apps and the web app are operating, and five corridors are open. Opening an account is free.
Which markets do you cover?
Five corridors you can send money to. You can open an account across the US except New York, and in every country not on our prohibited list. They were chosen for the largest concentration of people invoicing in USD without easy access to a dollar account. See the full list.
Who is behind SmashPay?
SmashPay Inc., part of the SmashTech group. Regulatory and custody detail is set out in the account disclosures.
How do I get in touch?
Email support@smashpay.io, or use the contact form. Account-specific questions are best raised from inside the hub.
