One account · Every rail

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.

Apply for an account Talk to sales
$6B+ moved for global businesses every year 24/7 payments that land in seconds — weekends included
Total balance 2,481,920 USD
Routing live
Activity
    Rails
    SWIFT · ACH
    Instant FX
    From25,000 USDC
    To21,425 EUR

    1 USDC → 0.8570 EUR · settles in seconds

    Your balances
    • US DollarSWIFT · ACH1,204,500
    • EuroSEPA842,300
    • British PoundFaster Payments318,200
    • USDCOn-chain · 24/784,120

    One platform, every rail

    $6B+Processed annually across rails and stablecoins
    100+Countries supported for cross-border payments
    40+Fiat currencies supported for pay-in and pay-out
    T+0Same-day settlement for major currencies
    Why MS Pay

    Built around
    how you actually operate.

    Set up your own vIBAN

    Named accounts and your own virtual IBAN — receive USD, EUR and GBP in your company's name, from clients and counterparties worldwide.

    Transact in multiple currencies

    Hold USD, EUR and GBP side by side, convert at transparent rates you see before you commit, and pay out over SWIFT, SEPA, ACH or Faster Payments — all from one view.

    Your own custodial wallet

    MPC-secured custody with multi-user approvals and role-based permissions, so your funds stay protected without slowing your team down.

    Payments as a Service

    Our rails, your product. Embed multi-currency accounts, FX and stablecoin settlement into your own platform — powered by MS Pay's regulated infrastructure.

    Both rails

    The business account built on both rails

    Regulated multi-currency accounts in your business's own name, built for cross-border payments — with on-chain settlement in seconds, any day of the year.

    Traditional rails

    • SWSWIFTGlobal wires · 200+ countries1–2 days
    • SESEPAEuro transfersSame day
    • FPFaster Payments · CHAPSGBP, UKInstant
    • ACACHUS domestic1 day

    On-chain rails

    • USUSDCOn-chain settlement~12 sec
    • PYPYUSDOn-chain settlement~15 sec
    • FXInstant FXFiat ↔ stablecoinReal time
    • AOAlways onWeekends and holidaysNo cut-off
    Cross-border

    Cross-border payments: same day, worldwide. Instant on-chain.

    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. Welcome to a world of limitless possibilities, where finance knows no bounds.

    How it works

    Live in three steps.

    Onboarding in days, not weeks.

    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 MPC-secured 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 wallets

    Multi-party computation protects your wallet against key loss, hacks and insider threats.

    KYB & ongoing monitoring

    Every account is verified and every rail is monitored on an ongoing basis.

    MS Pay Jersey Ltd (No. 159408), supervised by the Jersey Financial Services Commission as a Virtual Asset Services Provider, Firm Reference SCH-14933.

    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.

    Cowrie Transfer Services Limited, Company number 13987600, Firm Reference Number (FCA) 985853.

    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)

    MS PAY Inc is registered with FinCEN as a Money Services Business (MSB Registration Number: 31000330919685) as a money transmitter.

    One account.
    Every rail. Global by default.

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

    Apply for an account Talk to our team

    100+ countries · one account · Onboarding in days, not weeks