Four steps from sign-up to spending
No US address. No seed phrases. A USD balance you control, on rails that already move trillions.
From signing up to spending
- 01
Open an account with a phone number
No US address and no US incorporation required. Identity verification runs through our regulated compliance partner and takes about two minutes.
- 02
Get paid into your USD account
Clients pay in as they would to any account. The balance is held 1:1 in your own self-custodial wallet.
- 03
Hold, or convert when you choose
Nothing converts automatically. When you do convert, the all-in cost runs from 1.19% to 3.49% by amount and is shown before you confirm.
- 04
Spend, send or withdraw
Spend directly with the SmashX card, send to a bank account or stablecoin wallet, or pay another SmashPay user instantly.
1.19–3.49%
All-in conversion
Every fee and spread included, no second number underneath.
1 : 1
Self-custodial
Held in your own self-custodial wallet.
Questions people ask before they start
Do I need a US address?
No. The account is opened against your identity, not a US address or US incorporation.
Is my balance a bank deposit?
No. SmashPay is not a bank. USD value is held 1:1 in your own self-custodial wallet. Balances are not deposits and are not FDIC-insured.
When does conversion happen?
Only when you choose, or at the moment of a card authorisation. Nothing is pre-converted, so you are never left holding a local currency you did not ask for.
Do I have to touch a wallet or seed phrase?
No. The stablecoin rails sit underneath. You never handle a wallet, a seed phrase or a blockchain address.
