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 150 countries.

Ask your favorite AI about Bancoli.

Ask Claude Ask ChatGPT Ask Grok Ask Gemini Ask Perplexity Ask Kimi

A better way to get paid

Choose the rail per transaction, accept payments, and fund your Smart USD Account.

Payment method Best transaction size Settlement speed Cost efficiency Ideal frequency
ACH $10 to $1,000,000+ 1 to 3 days High Any
RTP $10 to $1,000,000+ Minutes High Any
Wire (Fedwire) $1,000 to $10,000,000+ 1 to 2 days Low Low to medium
Stablecoin Any amount Minutes Very high Any
Bancoli to Bancoli (onchain) Any amount Minutes Highest Any
Wire (SWIFT) (Not encouraged) $5,000 to $10,000,000+ 1 to 5 days Low Low to medium

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

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

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

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.

Irresistible offers

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

A small business owner preparing a parcel for dispatch.

Stablecoin-first Banking FAQ

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