Keep your bank.
Use Bancoli alongside the accounts and payment tools you already rely on.
Built on stablecoins.
Built for business.
Receive dollars or stablecoins. Pay suppliers in the currencies they use.
What is a stablecoin business account?
A stablecoin business account lets your business get paid in US dollars or in stablecoins and keep the funds in one place. With Bancoli, a chartered bank and a fintech in one, you share USD details in your business name for ACH and RTP, or receive supported stablecoins. Incoming payments arrive in your Smart USD wallet. Access to named USD details depends on your business and location.
From getting paid
to paying what comes next.
Get paid in familiar ways.
Share USD details in your business name for ACH and RTP payments, or receive supported stablecoins. Incoming payments arrive in your Smart USD wallet.
Explore Smart USD Business account
US dollar details
- Account name
- Your business
- Account number
- Issued after approval
- Routing number
- Issued after approval
ACHRTP
Available after approval Incoming payments reach your wallet
Smart USD Your stablecoin wallet
USDC
USDT
USDi
Fits the way you do business.
Pay their bank.
Send supported local currency payouts without asking suppliers to open another account.
Choose your route.
Review available currencies and fees before your next payment.
How money comes in
Clients pay you the way they already do. Share USD details in your business name and they can send ACH, RTP or a US domestic wire. You can also receive supported stablecoins straight to your wallet.
Your clients do not need to use stablecoins.
What your Smart USD wallet holds
Your Smart USD Wallet holds eligible USDC, USDi or USDT. These stablecoins are fully backed. It is a wallet you control, so the assets belong to your business.
Is it safe?
You control your funds. Bancoli does not own or control them.
- Supported stablecoins are fully backed.
- Stablecoins in your wallet are digital assets held by you, not deposits that depend on a third party and its ability to pay you back.
- Not an unsecured claim on a third party bank or money service business. Wallet assets are your direct property.
Do I need to replace my current bank?
No. You can use Bancoli alongside your existing accounts and payment tools. Start with the business payments that fit your needs.
Paying out
Pay suppliers in supported currencies with free FX in 25+ currencies at the real mid-market rate. Your suppliers keep the bank accounts they already use.
Free FX in 25+ currenciesStablecoin vs traditional business account
Is USDC safe for business funds in 2027?
Due to the GENIUS Act, a US law, USDC is backed by reserves that Circle holds in cash, short-term US Treasuries and Treasury repurchase agreements, with weekly disclosures and monthly independent attestations published at circle.com/transparency. The GENIUS Act sets rules for reserve assets and disclosures, but parts of how it is implemented are still being worked out. A stablecoin is not a deposit.
At Bancoli, USDC, USDi and USDT are the eligible stablecoins in your Smart USD balance, and all three are fully backed. Smart USD itself is not a deposit and is not FDIC-insured. If Bancoli closes an account, that affects only fiat capabilities, never your Smart USD Wallet. You control your funds. Bancoli does not own or control them.
Bancoli works with an affiliated chartered bank and serves businesses in 150+ countries. Businesses can get paid by ACH, RTP, US domestic wire and stablecoins, with named USD account details available on every plan, including Free, once verified.
Stablecoin business account questions
Check business eligibilityWhat is a stablecoin business account?
A business account that lets you get paid in US dollars or in stablecoins and keep the funds in one place. With Bancoli you share USD details in your business name for ACH and RTP, or receive supported stablecoins. Incoming payments arrive in your Smart USD Wallet.
Which stablecoins can my business hold?
Eligible USDC, USDi or USDT. They are fully backed.
Are stablecoins in my wallet bank deposits?
No. Stablecoins in your Smart USD Wallet are digital assets. They are not bank deposits and are not FDIC-insured.
Who controls the wallet?
You do. Funds in your Smart USD Wallet are held on the blockchain directly by you. You control your funds. Bancoli does not own or control them.
Do my clients need to pay in stablecoins?
No. Your clients can send US dollars by ACH or RTP using the payment details you share.
Do I need to replace my current bank?
No. You can use Bancoli alongside your existing accounts and payment tools.
Is Bancoli a bank?
Yes, but not like a traditional bank that takes deposits and lends those out. Bancoli's own bank charter is specifically tailored for servicing payments, not for providing funds storage. Smart USD is not a deposit, it is your direct property that you own, unlike bank deposits or funds held with fintechs of which both are just unsecured claims.
Is USDC safe for a business to hold in 2027?
USDC is backed by reserves Circle holds in cash, short-term US Treasuries and Treasury repos. Circle publishes weekly disclosures and monthly independent attestations at circle.com/transparency. A stablecoin is not a deposit, so read the issuer's reports and decide how much to hold.
Is a stablecoin wallet a bank deposit?
Smart USD is not a deposit and is not FDIC-insured. Deposit insurance covers bank deposits, and a stablecoin is not a deposit.
What does the GENIUS Act change?
The GENIUS Act sets rules for which assets can back a payment stablecoin, plus disclosure and prudential rules.
What happens to my Smart USD Wallet if my account is closed?
If Bancoli closes an account, that affects only fiat capabilities, never your Smart USD Wallet. You control your funds. Bancoli does not own or control them.
Your next business payment starts here.
Apply for a business account. Connect the payments you receive with the people you need to pay.
Get paid in dollars or stablecoins with one Smart USD Wallet.
Get startedApply for an account
Start with your business information.
Verify your business
Complete the required business verification.
Start using your account
After approval, use the receiving and payment services available to your business.
Stablecoins in your Smart USD Wallet are digital assets, not bank deposits, and are not FDIC-insured. Services, fees and availability depend on your jurisdiction and applicable program terms. Banking and money-movement services are provided through regulated providers, including Bancoli's affiliated chartered bank.