Is this crypto? Do I need a wallet?

No. You never touch a seed phrase, a blockchain, or a wallet app. Stablecoin is the payment rail under the hood — the way ACH is the rail under a Venmo payment. You just see USD.

How does anyone pay me into SmashPay?

After you sign up, you get a set of payment details — a wire routing number, an ACH number, and a USDC address. Any client, payroll platform, or marketplace that can send a wire or ACH can pay you directly.

What happens when USD arrives?

It lands in your SmashPay stablecoin account at full value — no forced FX, no fee on receipt. You hold it as USD until you decide to convert or send.

How much does it cost to convert?

0.75–1.50%, when you choose to convert to local currency. No receiving fee. No monthly fee. No wire fee on top.

Who can use SmashPay?

SmashPay is built for people who earn USD but live outside the US — freelancers, remote workers, contractors, and small agencies. No US address or US entity is required.

Available across the US except New York

HoldrealUSdollars— anywhere
youliveandwork.

A stablecoin account for people who earn USD from anywhere.

Open an account

Four steps from sign-up to money in your local account.

Sign up with your phone

Enter your email and country. No US address, no SSN, no bank statements. Verification takes under two minutes.

Available in Vietnam · Indonesia · Thailand · Philippines · Mexico and 145+ more countries

Share your payment details

You get a wire routing number, ACH number, and USDC address. Send these to any client, platform, or employer — they pay you exactly as they would a US bank account.

Works with Upwork, Toptal, PayPal Business, Stripe, direct wire, and more

USD lands at full value

Your money arrives in your SmashPay stablecoin account as USD — no forced conversion, no receipt fee. It sits there at 1:1 value, in your own self-custodial wallet.

Balances not lent or rehypothecated (Earn excepted)

Convert or send on your terms

When you're ready, send to your local bank. Or send to a stablecoin wallet, another SmashPay user, or split one payment across multiple recipients.

Bank transfer · Stablecoin wallet · SmashPay-to-SmashPay (instant, free)

Ready to stop losing money on every payment?

The difference

Your local bank charges you to exist
globally. SmashPay doesn't.

Traditional bank / Wise

SmashPay

Receive USD

Forced FX on arrival — you lose 3–8% before you see a cent

Lands at full value. Zero receipt fee.

Holding cost

Your local currency drops while you wait to spend it

Holds as USD, 1:1, fully reserved. No erosion.

Convert to local currency

Bank sets the rate and timing. You have no say.

You choose when. 0.75–1.50%, transparent.

Send to others

One wire = one FX hit. Multiple recipients = chaos.

Split one payment across bank, wallet, or another user.

Sign-up requirements

US address, SSN, or foreign bank account in the right country

Phone number. That's it.

One account. Every rail.

Payment orchestration

Client wire transfer

USD · ACH / SWIFT

Payroll platform

USD · Stripe / Deel / Remote

Stablecoin payment

USDC · Ethereum / Solana

SmashPay$USDStablecoin account1:1 · Fully reserved

Local bank account

VietQR · PromptPay · GoPay · SPEI

0.75–1.5%

Stablecoin wallet

USDC · Self-custody or exchange

Network fee

SmashPay user

Instant · Phone-to-phone

Free

Open an account

Your USD stays USD.Convert on your terms.

Send USD to a bank account, a stablecoin wallet, or directly to another SmashPay
user — all in one workflow. Multi-recipient batch payouts available for teams.

Built on the same infrastructure as the world's top fintechs.

PCI DSS

Card-grade data security

GDPR

Your data, your control

FinCEN MSB

Compliant by default

USD held 1:1 in your own wallet.View our security posture

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?

Stop losing money the
moment it lands Open
an account

SmashPay is available across the US except New York, sending to Vietnam, Indonesia, Thailand, the Philippines, Mexico and the UAE. Open an account in minutes.

Email sign-up — no US address required
USD held 1:1, never loaned
0.75–1.50% when you convert
Send to bank, wallet, or another SmashPay user

Claim your spot for a real US dollar stablecoin account.

Available across the US except New York

Open an account in minutes. Send to Vietnam, Indonesia, Thailand, the Philippines, Mexico and the UAE.

Open an account

HoldrealUSdollars— anywhere youliveandwork.

Four steps from sign-up to money in your local account.

Sign up with your phone

Share your payment details

USD lands at full value

Convert or send on your terms

Your local bank charges you to exist globally. SmashPay doesn't.

One account. Every rail.

Your USD stays USD.Convert on your terms.

Frequently Asked Questions.

Stop losing money themoment it lands Openan account

Claim your spot for a real US dollar stablecoin account.

Available across the US except New York

Claim your spot for a real US dollar stablecoin account.

HoldrealUSdollars— anywhere
youliveandwork.

Your local bank charges you to exist
globally. SmashPay doesn't.

Stop losing money the
moment it lands Open
an account