A payment request or a business invoice.
- Collect
- Exodus Pay: Request USD with a shareable QR codeBancoli: Create business invoices
- Fund
- Exodus Pay: Debit card, Apple Pay or supported stablecoinsBancoli: USD by ACH/RTP or supported stablecoins
- Pay
- Exodus Pay: Exodus Pay transfers and eligible card spendingBancoli: Local supplier payouts in 40+ currencies
Exodus Pay funding methods and card access vary by location.
Where the products differ.
| What matters | Exodus | Bancoli |
|---|---|---|
| Adding funds | Exodus Pay accepts debit-card or Apple Pay funding where available, plus supported stablecoin deposits. [2] | USD by ACH/RTP, or supported USDC, USDi or USDT. [4] |
| Funding costs | Card and Apple Pay fees quoted before payment; no single published rate for every route. [2] | ACH/RTP conversion 1:1. Receiving: Free $2 · Plus $1 · Premium $0 · Enterprise custom. [4] [5] |
| Control of your funds | Self-custody in both Exodus Wallet and Exodus Pay. [1] [2] | Your supported stablecoins remain your direct property in your self-custodial wallet.[4] |
| Stablecoin balance | XO Cash (XO), USDC and USDT on Solana. [2] | Supported USDC, USDi or USDT in your self-custodial Smart USD wallet. [4] |
| Requesting payment | Request USD creates a shareable QR code for an amount. [2] | Business invoices with USD ACH/RTP or supported stablecoin receiving. [4] |
| Account availability | Pay in most jurisdictions. Funding varies by location and verification; card eligibility has a separate list of supported countries. [2] [3] | Businesses in 150+ jurisdictions. Bancoli checks registration and each beneficial owner’s tax residence; the business and owner can be in different countries.[6] |
| Making payments | Cash transfers to Pay users; online and in-store card spending where supported. US card availability excludes Vermont. [2] [3] | 40+ currencies at mid-market. 25+ without FX fees; selected additional routes charge 1%. [4] |
Adding money: compare the funding method.
Card funding and receiving customer USD are different methods; each fee below identifies its route. For Bancoli supplier payouts, monthly included FX volume varies by plan; 0.5% applies above it. See pricing.
See plans, fees and included volumeChoose for the payments you make.
Bancoli for business payments
A fit when you need business invoices, USD bank collection and local supplier payments to work together. [4]
Exodus for a wallet and everyday payments
Use Exodus Pay to add money, request payments and send Cash. Its virtual card, available in supported countries after verification, supports online and in-store spending.[2] [3]
Check who the product is for.
Exodus
Exodus Pay is available in most jurisdictions worldwide. Some funding and spending features require identity verification. Card eligibility follows its own country list, including the United States except Vermont.[2] [3]
Bancoli
Bancoli supports businesses registered in 150+ jurisdictions, checks the business registration and each beneficial owner’s tax residence. The business does not have to be in the same country where the owner lives.[6]
Make global payments part of your everyday business.
Receive USD, keep supported stablecoins in self-custody and pay suppliers where they work.
More about the products and eligibility
- Everyday payments
Exodus Pay offers payment requests, card funding and a virtual spending card in supported countries.[2] [3]
- Business collections
Bancoli combines invoices with ACH, RTP and supported stablecoin receiving.[4]
- Supplier payments
Bancoli pays locally in 40+ currencies at mid-market rates, with no FX fee in 25+.[4]
A few useful answers.
For ordinary crypto-wallet sends, you pay the blockchain network fee shown before sending; Exodus does not keep it or add its own send fee. Receiving crypto has no Exodus fee. Cash transfers to other Exodus Pay users normally have their network fee covered. If Exodus cannot cover it, you need SOL to pay it.[1]
A buy or sell includes a processing fee and a network fee through a third-party provider. A swap may include a spread plus a network fee. You see the fee, or the amount you will receive, before you confirm. The article does not publish an Exodus percentage.[1]
Cash is the Exodus Pay balance made up of XO Cash (XO), USDC and USDT on Solana. Outside Pay, sending Solana USDC or USDT requires SOL for network fees. The send-and-receive answer explains when Pay covers them. [1]
The virtual debit card lets eligible users spend their Exodus Pay balance online and in-store. It is available only in listed countries, including the United States except Vermont. Creating and verifying an Exodus Pay account is required before activation.[3]
Sources and methodology
Official product, pricing and support pages reviewed on November 10, 2026.
- 01Does Exodus have transaction fees to send or receive?exodus.com
- 02Getting started with Exodus Payexodus.com
- 03Getting started with the Exodus Cardexodus.com
- 04Bancoli product specifications
- 05Bancoli pricingbancoli.com
- 06Bancoli eligibilitybancoli.com