Your USD value is held 1:1 in stablecoin in your own self-custodial wallet. SmashPay never holds it, so it cannot be loaned or rehypothecated.

For agencies & distributed teams

Pay seven contractors. One workflow.

Q: Why not just use Wise?

Wise is built for one-shot sends. SmashPay is built to hold and operate in USD over time. Your money lives here between payments.

Q: Where is SmashPay available?

SmashPay is available across the US except New York, and sends to Vietnam, Indonesia, Thailand, the Philippines, Mexico and the UAE. See our Licensing and Availability page for the current list.

Seven countries today means seven wires, seven FX hits, and a Friday-afternoon scramble. SmashPay sends USD directly — in one batch — to any bank, stablecoin wallet, or card.

API access

Get your team paid in USD.

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5Currencies supported

5Countries you can send to

From 0.75%FX markup

24/7Customer support

Batch payouts

One workflow for 5 countries. Upload a recipient list; SmashPay routes each payment to the right bank, stablecoin wallet, or card.

150+ countries

Pay contractors in Vietnam, Indonesia, the Philippines and Mexico — and 150+ countries in all through our payout partner network.

Transparent FX

0.75–1.50% conversion cost. No hidden wire fees or per-transaction markups.

Frequently Asked Questions.

Is my money safe?

Is this crypto?

You never touch a stablecoin wallet, seed phrase, or blockchain directly. Sign up with a phone number. Stablecoin is the payment rail underneath — the way ACH is the rail under a Venmo payment.

Why not just use Wise?

Where is SmashPay available?