Built on stablecoins.
Built for business.

Receive dollars or stablecoins. Pay suppliers in the currencies they use.

Get started See how it works
Connected blue glass forms represent stablecoins and familiar banking working together.

For eligible businesses. Fees and supported payment routes apply.

Wallets and onchain transaction security provided by Coinbase

Optional Advanced Protection for your wallet, provided by Google

Innovation Award Winner Banking platform awarded by Ripple

From getting paid
to paying what comes next.

Follow a payment through Bancoli: from your client, into your Smart USD wallet, and on to your supplier.

Get paid in familiar ways.

Share USD details in your business name for ACH and RTP payments, or receive supported stablecoins. Incoming bank payments convert to supported stablecoins in your Smart USD wallet.

Explore Smart USD
Business account

US dollar details

ACHRTP
Available after approval
Incoming payments reach your wallet
Smart USD Your stablecoin wallet
  • USDC
  • USDT
  • USDi
Illustrative product view

Fits the way you do business.

Keep your existing accounts. Add the receiving and payment routes your business needs.

Keep your bank.

Use Bancoli alongside the accounts and payment tools you already rely on.

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.

Before you get started.

Check business eligibility
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.

What does my Smart USD wallet hold?

Your Smart USD wallet holds supported stablecoins. These digital assets are held in your self-custodial wallet; they are not bank deposits and are not FDIC-insured.

How do I know which services I can use?

Review business eligibility and current pricing before applying. Available services, currencies and payment routes depend on your business, location and recipient.

Your next business payment starts here.

Apply for a business account. Connect the payments you receive with the people you need to pay.

Get started

For eligible businesses. Fees and supported payment routes apply.

  1. Apply for an account

    Start with your business information.

  2. Verify your business

    Complete the required business verification.

  3. Start using your account

    After approval, use the receiving and payment services available to your business.

Stablecoins in your self-custodial 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.

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: 31000341885238). 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. Your funds stay in your control. Bancoli does not own or control them. 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.

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