Stablecoins.
With US bank details.

USD details in your business name. ACH and RTP payments arrive as supported stablecoins in your Smart USD wallet.

Get your USD details How it works

US dollar details

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

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

Their bank payment.
Your Smart USD wallet.

Your client pays by bank. Supported stablecoins arrive in your wallet, ready for your business to hold or use.

  1. Details in your business name

    Approved businesses receive named USD payment details to share with clients.

  2. Payment by ACH or RTP

    Your client sends a US dollar payment using an available bank payment route.

  3. Stablecoins in your wallet

    The incoming bank payment converts to supported stablecoins in your self-custodial Smart USD wallet.

Business account

Smart USD

Self-custodial
Supported assets Asset type
  • USDC
    Stablecoin
  • USDT
    Stablecoin
  • USDi
    Stablecoin

Your wallet. Your stablecoins.

Supported assets held onchain in your own wallet.
Illustrative product view
See how the wallet works

Before you get started.

Check business eligibility
Does my client need to use stablecoins?

No. Your client can send US dollars by ACH or RTP using the payment details you share. The incoming payment converts to supported stablecoins in your Smart USD wallet.

When do I receive my USD payment details?

Named USD payment details are available to approved businesses. You must complete the application and required business verification. Access depends on your business and location.

What can I do with the funds I receive?

You can hold supported stablecoins in your Smart USD wallet or use available Bancoli payment services, including local currency payouts. Supported routes and fees apply.

Give your next client a way to pay in USD.

Apply for Bancoli. Once approved, share your named USD details and receive client payments into your Smart USD wallet.

Get your USD details

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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