Full reserve. Every dollar yours.

A clearer way to hold and move business funds. Fully backed stablecoins you directly own, with fiat rails when you need them.

No fractional reserves · No hidden fees · No headaches

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

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Industry recognition

Innovation Award Winner Banking platform awarded by Ripple

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Safer at rest.
Better in motion.

Fully backed stablecoins.

Smart USD holds supported stablecoins backed by their respective issuers. Benefit from at least 1:1 reserves on 100% of your funds.

Issuer backing

Wallets that belong to you.

Your stablecoins are held in your wallet on the blockchain. Bancoli provides the platform, the technology, and connections to bank payments. You own the funds.

Direct ownership

Connect to the world.

Receive US dollars and pay suppliers in USD and 40+ other currencies. Make a payout without FX fees in 25+ currencies.

Seamless transactions

The wallet is yours.
That changes everything.

Your Smart USD wallet holds your stablecoins on the blockchain. We are here to help you secure it and make it seamless for you to use it for everyday business payments, including payments to bank accounts.

Explore wallet security
Your businessYour existing social logins connect you to your wallet
You authorize the movement
Smart USD YOURS
Your stablecoins, on the blockchain.
USDC
USDT
USDi

Ownership meets
everyday utility.

Illustrative image of a business owner packing a ceramic order in a sunlit studio.

Start with stablecoin payments.

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

Connect to US dollar payments.

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

Keep business moving globally.

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

Clear answers.
Confident decisions.

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, under your own keys — 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