Who owns the funds in my Smart USD wallet?

Funds in your Smart USD wallet are held on the blockchain directly by you. Bancoli cannot access those wallet assets and does not act as their custodian.

Are the stablecoins fully backed?

Yes. The supported stablecoins in your Smart USD wallet are fully backed by their respective issuers. Your wallet holds stablecoins, not a bank deposit or a direct claim to cash reserves held by Bancoli.

Does Bancoli charge FX markup on payouts?

Eligible payouts in 25+ currencies can use 0% FX at the mid-market rate within the monthly allowance. Additional currencies use a stated 1% fee. See the pricing page for plan limits.

Can non-US businesses open a Global Business Account?

Yes. Bancoli can onboard eligible businesses in most countries. Some countries are business-owner only, and US businesses are limited to 13 states. See the full eligibility table.

Can I receive USD payments into a Bancoli account?

Yes. Approved businesses get named US dollar details and can receive ACH, RTP, and stablecoin payments into a Smart USD wallet.

Receive US dollars and stablecoins like they are the same.

Receive US dollars or stablecoins like they are 1:1 interchangeable, because with Bancoli, they are.

No fractional reserves · No hidden fees · No headaches

Illustrative portrait of a business owner in a sunlit stone workspace with bronze coins.

Is Bancoli right for my business?

Bancoli is designed for receiving US dollar payments or stablecoins and for clients that may need to pay suppliers. Start with your new self-custodial wallet, invoicing and stablecoin transactions without having to wait on anyone for an approval. Bank payments require a short application.

Check account eligibility Compare plans and fees

Smart USD

From paid to paid out