Bank where stablecoins come first.

Stablecoins when you want them. Dollars when you need them.
Built for innovators shaping the future.

No fractional reserves · No hidden fees · No headaches

Portrait of a confident woman surrounded by floating coins, symbolizing financial empowerment and opportunities.
Smart USD

From paid to paid out

Smart USD Wallet

$160,101.39

Available balance

Only you control your wallet.

Supplier paymentINV–1042
Materials supplierMaterials · order 1042
Payment total$4,200.00 USD
Approved by you
Payment settled

Your supplier has been paid.

$4,200 USD

Your funds. Your control.

Bancoli does not own or control your assets.

1:1 Full reserves
25+ Zero-FX currencies
40+ Payout currencies
150+ Countries served

Technology and recognition behind Bancoli.

Coinbase logo
Wallet technology

Wallets and onchain transaction security provided by Coinbase

Google Advanced Protection logo
Wallet Access

Optional Advanced Protection for your wallet, provided by Google

Ripple logo
Industry recognition

Innovation Award Winner Banking platform awarded by Ripple

Ask your favorite AI about Bancoli.

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One account to get paid, pay and convert.

Switch in minutes, receive and make payments by tomorrow.

One account to get paid, pay and convert.

Smart USD Account

Get a wallet at sign-up and start sending and receiving supported stablecoins.

Bank Payments

After verification, get your named US dollar account details and activate bank payments, including ACH and RTP.

Smart Invoicing

Create invoices with multiple payment options and reward buyers for paying on time.

Zero FX

Access payouts in 40+ currencies, 25+ with no conversion fees.

Start with what you need today.

Start with the Free plan for stablecoins and invoicing. Compare payment features and fee-waiver options before choosing a plan.

Compare the plans Check eligibility

Banking that keeps up with your ambition.

From your next payment to your next market. One place to make your next move.

Big ideas. Solid ground.

USD and stablecoins, together. Start with an account designed around the way your business works.

Meet your account

Frequently asked questions

See all questions
Move money
without headaches Start your journey now

© 2026 Oli Technologies LLC. All Rights Reserved.

Terms of Service Privacy Policy

Bancoli provides information about and access to accounts and financial services in the United States. Bancoli is the trade name of Oli Technologies LLC (US). Oli Technologies LLC is registered with FinCEN as a Money Services Business (MSB Registration Number: 31000310177225). Banking, settlement, and money-movement services are provided by regulated providers including Bancoli's affiliated chartered bank subject to applicable law (see Terms of Service and Program Disclosures), and by other regulated infrastructure providers.

Self-custodial digital wallet infrastructure is provided by Coinbase. Digital assets and stablecoins in your self-custodial wallet are held by you — not by Bancoli, a bank, or any other custodian. Deposit insurance protects deposits held at insured banks; because self-custodied assets are not held at any bank, FDIC insurance does not apply to them, and they are not deposits. The same is true of stablecoin reserve arrangements and of fiat, settlement, transit, or reserve arrangements held by providers: none of these are FDIC-insured to you.

Additional financial services may be made available through regulated affiliates, infrastructure providers, or banking partners, as applicable. Content on Bancoli.com does not, and should not be construed as, an offer, invitation, or solicitation of services. Terms, conditions, and fees for accounts, products, programs, and services are subject to change.

Depending on your jurisdiction, certain account, payment, conversion, settlement, wallet, or payout services may be unavailable or may be performed by a regulated provider or affiliate under applicable terms. Not all accounts, products, services, and pricing described here are available in all jurisdictions or to all customers. Your eligibility for a particular product or service is subject to a final determination by Bancoli. Your country of citizenship, domicile, or residence may have laws, rules, and regulations that govern or affect your application for and use of accounts, products, and services, including laws and regulations regarding taxes, exchange, or capital controls you are responsible for following. The English version of this footer controls if a translation differs from or conflicts with it.

Gold medal with laurel branches and stars, labeled "Winner 2024 Innovation Award - Ripple."

Banking Innovation Award · Winner