Earn more than you pay.

Is there really a free tier?

Yes. Standard is $0/mo with a virtual stablecoin card, 1% cashback, up to 4% APY on idle balances, a local USD/EUR account, and fractional investing.

How does cashback work?

Cashback is paid in USDC on eligible card spend — 1% on Standard, 2% on Pro (up to $10k/mo), and 3% on Ultra. It settles to your balance, withdrawable to fiat or crypto.

Where does the yield come from?

We route reserves into low-risk tokenized T-bills and audited lending vaults and pass the yield through to you. No lock-up — withdraw anytime.

What's the portfolio-backed credit line?

On Ultra, borrow against your stocks and crypto without selling — interest only on what you draw. Keep your upside and avoid a taxable event.

Do developers pay for the API?

The SDKs, CLI, MCP server, and x402 middleware are open-source and free. The hosted API is metered — a free sandbox, then usage-based pricing on Ultra.

Is there volume pricing for businesses?

Yes. Merchant payments are a flat 0.5% per transaction, and at higher volume the Enterprise plan offers custom rates below 0.5%, a settlement and uptime SLA, a dedicated account manager, and per-transaction audit trails with reconciliation exports. Contact sales for a quote.

Do you offer an SLA and compliance controls for enterprise?

Enterprise contracts include a defined uptime and settlement SLA, sanctions screening and Travel Rule support on every payment, jurisdiction and KYC-tier controls, and reconciliation files. Formal certifications such as SOC 2 are on our compliance roadmap — see the trust center for current status.