Is this a B2B online payment gateway?

Your Smart USD account is a multi-rail account for receiving payments within the United States through ACH, RTP and internationally over stablecoin payments.

When should a business use ACH vs stablecoins?

ACH payments are commonly used for recurring payments of all sizes, even with international businesses that have access to US domestic rails (which Bancoli automatically provides to approved accounts). Stablecoins are commonly used for international transfers to reduce unnecessary wait times and transfer costs.

Do I need to change my existing bank accounts or payment setup?

You can start using your Smart USD Account without replacing your existing payment tools. Over time, you can decide how much of your payment acceptance you want to centralize through Bancoli.

Smart USD
makes it easy
to get paid

Get paid by US dollar bank transfers, ACH, RTP or stablecoins. Let buyers pick how they pay you.

Available in over 200 countries.

Eric, Bancoli's AI looking over laptop computer displaying the Bancoli Smart USD Account dashboard, showcasing multi-currency balances, invoicing, and account management tools.

Everything you need to accept funds,
with efficient payment methods.

Minimalist blue icon of stacked coins, representing digital currency or financial savings.

Accept US dollar transfers (ACH), stablecoins, and Bancoli payments.

Minimalist blue icon with a checkmark and cross in circles above horizontal lines, representing pros and cons or decision options.

Restrict payments to preferred rails or allow all payment methods and let your clients decide.

A better way to get paid

Choose the rail per transaction, accept payments internationally, and automatically fund your Global Business Account.

Payment method	Best transaction size	Settlement speed	Cost efficiency	Ideal frequency
ACH	$10 to $1,000,000+	1 to 3 days	High	Any
Wire (Fedwire)	$1,000 to $10,000,000+	1 to 2 days	High (at large amounts)	Low to medium
Wire (SWIFT) (coming soon)	$5,000 to $10,000,000+	1 to 5 days	High (at large amounts)	Low to medium
Stablecoin	Any amount	Minutes	Very high	Any
Bancoli to Bancoli (onchain)	Any amount	Minutes	Highest	Any

Did you know?

Get paid on time

Eric, Bancoli's AI, rewards your clients for on-time payments, helping you reduce unnecessary wait times and chargeback risks.

A geometric-style illustration of a confident man with glasses, Eric, surrounded by flying coins, symbolizing smart financial thinking.

Irresistible offers

Invoicing with automatic rewards encourages your clients to pay you on time and with the most convenient payment method.

A silver stopwatch surrounded by various copper coins, symbolizing the concept of time and money.

Stablecoin-first Banking FAQ

Incoming payments arrive in your Smart USD Wallet. This includes your incoming USD (ACH and RTP) payments and native on-chain stablecoin payments. ACH and RTP payments convert 1:1 to the supported stablecoin of your Smart USD wallet.

How does Eric help?

Smart, seamless financial management

With the help of Eric, Zii Ropa can receive global payments and send them to overseas suppliers with meaningful savings.

In addition, Bancoli's invoicing features have helped us accelerate cash flow and continue to grow without the need to apply for credit.

Mariel López Reinhardt

Director of Administration, Zii Ropa

Laurene Maire, Purchasing Director at Yema.