What is MS Pay?+
MS Pay is a unified financial platform that allows businesses to send, receive, store and convert both fiat currencies and stablecoins in one place.
We combine traditional payment rails with blockchain infrastructure, giving companies a faster, more flexible way to move money globally.
Who is MS Pay designed for?+
MS Pay is built for:
◦ Enterprises operating across multiple currencies
◦ Payment companies and fintechs
◦ Commodity traders and asset managers
◦ Businesses using or exposed to stablecoins
◦ Companies struggling with traditional banking limitations
If your business moves money globally, MS Pay is designed for you.
What makes MS Pay different from a bank or crypto exchange?+
MS Pay is neither a traditional bank nor a standalone crypto platform. Instead, it bridges both worlds:
◦ Named fiat accounts (e.g. USD, EUR, GBP)
◦ Stablecoin wallets
◦ Built-in FX and conversion
◦ Instant settlement infrastructure
You don't need multiple providers — everything is integrated into one system.
What currencies and assets do you support?+
◦ 40+ fiat currencies supported
◦ Major stablecoins (e.g. USDC, PYUSD, etc.)
◦ Multi-chain digital asset support
This allows you to operate globally without friction.
How fast are transactions?+
MS Pay enables:
◦ Same-day (T+0) settlement for major currencies
◦ Near-instant stablecoin transfers
◦ Faster cross-border payments compared to traditional banking
Speed is one of our core advantages.
Can I hold both fiat and crypto in the same platform?+
Yes. MS Pay allows you to:
◦ Hold fiat in named accounts (IBAN/vIBAN)
◦ Hold digital assets in secure wallets
◦ Instantly convert between them
All within a single dashboard.
How secure is MS Pay?+
Security is built into the core of the platform:
◦ MPC (Multi-Party Computation) wallet technology
◦ No single point of failure for private keys
◦ Multi-user approvals and role-based permissions
This ensures institutional-grade protection for your funds.
Is MS Pay regulated?+
Yes — MS Pay operates through regulated entities across multiple jurisdictions:
◦ Virtual Asset Service Provider (VASP) in Jersey
◦ UK FCA-authorised payment institution
◦ Registered Money Services Business (MSB) in Canada
◦ Registered Money Service Business (MSB) in US
◦ Registered entity in Lithuania (EU)
What is a vIBAN and why does it matter?+
A vIBAN (virtual IBAN) gives your business:
◦ A named account in your company's name
◦ The ability to send and receive international payments
◦ A seamless way to connect fiat flows with digital assets
It's your bridge between traditional finance and blockchain.
Can I make payments on behalf of clients or third parties?+
Yes. MS Pay supports:
◦ Third-party payments
◦ Treasury operations
◦ Complex B2B payment flows
This is especially useful for fintechs, brokers and global businesses.
Do you offer FX and conversion services?+
Yes — FX is built directly into the platform. You can:
◦ Convert between fiat currencies
◦ Convert fiat ↔ stablecoins
◦ Access competitive rates without leaving the platform
How does MS Pay support global payments?+
MS Pay integrates multiple payment rails, including:
◦ SWIFT
◦ SEPA
◦ Local payment systems
Combined with blockchain rails, this enables true global coverage with faster settlement.
How large is MS Pay's operation?+
◦ $6B+ processed annually
◦ Global client base
◦ Institutional-grade infrastructure
We are built to handle high-volume, high-value transactions.
How do I get started?+
Getting started is simple:
1. Apply for an account
2. Complete onboarding and compliance checks
3. Receive your named accounts and wallets
4. Start transacting immediately
Is onboarding complicated?+
No — onboarding is designed to be fast and straightforward. We combine:
◦ Digital onboarding
◦ Compliance checks
◦ Dedicated support
So you can start operating quickly.
Can MS Pay replace my current banking setup?+
For many clients, yes. MS Pay can replace:
◦ Multiple banking relationships
◦ Separate crypto providers
All from one integrated platform.