One account · Multiple rails

Global money,
moving at the
speed of now.

USD, EUR and GBP accounts that settle over SWIFT, SEPA and Faster Payments — or instantly in stablecoin. One platform built for global business.

3 currencies
USD · EUR · GBP, natively held
< 60 sec
Stablecoin settlement
Sent to Berlin
SEPA · instant
Total balance
2,481,920 USD
▲ 4.2%
$
US Dollar
SWIFT · ACH
1,204,500
Euro
SEPA
842,300
£
British Pound
Faster Payments
318,200
USDC · PYUSD
On-chain · 24/7
116,920
Received 50,000
USDC · 12 sec
One platform, every rail
SWIFTSEPAACHFaster PaymentsCHAPSUSDCPYUSD
100+
Countries supported for cross-border payments
40+
Fiat currencies supported for pay-in and pay-out
T+0
Same-day settlement for major currencies
Why MS Pay

Banking built around
how you actually operate.

Set up your own vIBAN

With your own virtual IBAN, the power is in your hands to streamline your banking experience and take charge of your financial journey like never before.

Transact in multiple currencies

Experience the freedom of diverse currency transactions with our platform's native multi-currency capability — hold and convert your balances side by side.

🔐

Your own custodial wallet

With your own custodial wallet, you maintain full control over your funds — secured, segregated and accessible whenever your business needs them.

The business account built on both rails

Bank rails and stablecoins. One account.

Hold and move money the traditional way, or settle on-chain in seconds. MS Pay routes every payment across the rail that gets it there fastest.

TraditionalBanking rails
SW
SWIFT
Global wires · 200+ countries
1–2 days
SE
SEPA
Euro transfers
Same day
FP
Faster Payments · CHAPS
GBP, UK
Instant
AC
ACH
US domestic
1 day
StablecoinOn-chain rails
USDC
Circle · fully reserved
~12 sec
PYUSD
PayPal USD · regulated
~15 sec
Instant FX
On / off-ramp at mid-market
Real-time
Always on
Weekends · holidays
No cut-off
Cross-border

Cross-border remittance
at the click of a button.

🌐

100+ countries supported

We facilitate seamless transactions across diverse landscapes. Whether you're in Europe or Asia, our platform caters to your financial needs.

Network of 40+ fiat currencies

Navigate effortlessly through our extensive network of over 40 fiat currencies, ensuring you can operate in your preferred currency with ease.

Access to multiple payment schemes

Empowering you to explore and transact across every major scheme — welcome to a world of limitless possibilities, where finance knows no bounds.

How it works

Live in three steps.

01

Open your account

Apply online and complete KYB. Get multi-currency accounts with your own vIBAN — typically within days, not weeks.

02

Fund any way you like

Receive over SWIFT, SEPA, ACH or Faster Payments, or top up on-chain with USDC and PYUSD into your custodial wallet.

03

Move money globally

Pay out to 100+ countries in 40+ currencies. MS Pay routes each payment across the fastest available rail, automatically.

Security & compliance

Regulated where
it matters.

Built to institutional standards — your funds segregated, your operations covered by regulated entities across multiple jurisdictions.

Segregated client funds
Customer money is safeguarded and held separately from company assets.
MPC-secured custody
Multi-party computation protects your wallet against key loss, hacks and insider threats.
KYB & ongoing monitoring
Robust onboarding and transaction monitoring across every payment rail.
MS Pay Jersey
MS Pay Jersey Ltd (No. 159408), supervised by the Jersey Financial Services Commission as a Virtual Asset Services Provider, Firm Reference SCH-14933.
Jersey
MS Pay Canada
MS Pay Ltd, incorporated under the Laws of Canada (No. BC1431850), registered with FINTRAC as a Money Service Business (MSB Registration Number M23054035) for foreign exchange dealing and payment service provision.
Canada
MS Pay UK
Cowrie Transfer Services Limited, Company number 13987600, Firm Reference Number (FCA) 985853.
United Kingdom
MS Pay Europe
MS Pay UAB is a company incorporated and registered under the laws of the Republic of Lithuania with company number 306215322. (Note: MS Pay UAB does not operate as a crypto-asset service provider and does not provide trading-related services as of December 31, 2025)
Lithuania
MS Pay US
MS PAY Inc is registered with FinCEN as a Money Services Business (MSB Registration Number: 31000330919685) as a money transmitter.
United States
MS Pay Malta
Pending...
Malta

One account.
Every rail. Global by default.

Join the businesses settling cross-border payments in seconds — over banking rails and stablecoins, from a single platform.