Now live worldwide — 150+ countries

Banking for the world. Built for earning.

Send money anywhere for near zero. Hold USDC and earn 5.2% APY. Spend with your Visa card. Let your money work while you sleep.

Get Started Free Explore the bot
USDC1.0000Stable
Send fee$0.001Base L2
Yield APY5.2%Morpho
Payout time3 secondsUSDC
Countries150+Worldwide
USDC1.0000Stable
Send fee$0.001Base L2
Yield APY5.2%Morpho
Payout time3 secondsUSDC
Countries150+Worldwide
150+
Countries supported
$0.001
Average send fee
5.2%
APY on idle USDC
2 min
To open account
Layer 1 — Core Wallet

Your money,
everywhere.

One USDC wallet. Every currency. Every country. Send, receive, and spend with a real Visa card — all in one app.

Send and receive globally

Transfer to any Denaro Pay user in the world instantly. $0.001 fee on Coinbase Base L2.

USDC stable balance

Your balance never fluctuates. Always worth exactly one dollar. Fully backed 1:1.

Virtual and physical Visa card

Spend your USDC anywhere Visa is accepted. NFC tap-to-pay supported.

Direct deposit routing number

Receive your paycheck directly into USDC. No bank account needed.

Total Balance
24,850 USDC
Coinbase Prime custody
Send
Receive
B
Bot earnings settled
3 seconds ago
+$2,400
S
Sent to Sarah M.
2 hours ago
-$120
Y
Yield earned
Today
+$3.42
Layer 2 — Earning

Three ways your
money earns.

Denaro Pay is not a bank. It is a financial engine. Every dollar you hold can generate a return.

01

Institutional trading bot

Connect your prop firm account and let the automated trading system work the markets for you. 68% win rate. 1.8 average RR. NY session only.

68% Win Rate
02

Prop firm payouts in 3 seconds

When your prop firm approves a payout, it settles to your USDC wallet in under 3 seconds on Coinbase Base. No wire delays. No holding periods.

3 Second Settlement
03

Passive yield at 5.2% APY

Every USDC in your wallet earns 5.2% APY via Morpho Blue on Coinbase Base. No lockup. No minimum. Yield accrues every block.

5.2% APY via Morpho
How it works

Up and running in minutes.

1

Download and sign up

Create your account in 2 minutes. Complete KYC once. Available on iOS and Android.

2

Your wallet is ready

Your USDC wallet is live on Coinbase Base. Add funds via bank transfer or Coinbase Pay.

3

Send, spend, receive

Transfer globally for near zero. Spend with your Visa card. Request money via QR code.

4

Turn on earning

Enable yield and connect your prop firm. Your money starts working the moment it lands.

For Merchants

Accept payments globally.

Replace Stripe at 2.9% with Denaro Pay at 0.5%. No chargebacks. Instant settlement in USDC. Works in 150+ countries.

0.5% flat fee, no surprises

Compare to 2.9% plus 30 cents per transaction with Stripe. Save thousands per month.

Zero chargebacks

USDC transactions are final. No dispute window. No fraudulent reversals. Keep your revenue.

150+ countries, one integration

Accept payments from customers worldwide without currency conversion delays or fees.

Merchant Dashboard
Live
Monthly Revenue Saved vs Stripe
+$240
On $10,000 monthly volume
Stripe 2.9% + $0.30
PayPal 3.4% + $0.30
Denaro Pay 0.5% flat
$2,880 saved per year on $10,000 monthly volume
Our Vision

The new financial stack.

Users are wallets

Every Denaro Pay user is a sovereign USDC wallet on Coinbase Base. No intermediaries. No delays. No borders.

Merchants are rails

Every merchant who accepts Denaro Pay becomes part of a global payment rail running at near zero cost. Commerce without friction.

Trading is the yield engine

The institutional trading bot turns idle USDC into active returns. Prop firm accounts become a yield layer for the entire ecosystem.

Infrastructure Partners

Built on the best.

CB
Coinbase Prime
USDC institutional custody
CU
Circle USDC
Regulated stablecoin
MQ
Marqeta
Visa card issuing
AW
AWS
Cloud infrastructure
BQ
BTQ Technologies
Quantum-resistant security
AX
Airwallex
Global payment rails
Get started today

Your money everywhere.

Open a free account in 2 minutes. Available worldwide.

Download on the
App Store
Get it on
Google Play