§II.I — USDC Wallet · Settlement

The wallet that
moves at the speed
of a blockchain.

A Circle Programmable Wallet on Coinbase Base. Send USDC to 150 countries for $0.001. Settle in under two seconds. Earn 5.20% APY on every dollar while it sits.

Open your wallet →
Fee per transfer
$0.001
Countries
150+
Settlement
< 2s
Off-ramp currencies
60
§I
How it works
Step by step

From signup to settlement in four steps.

Every Denaro Pay account is backed by a Circle Programmable Wallet on Coinbase Base. Your USDC is always in your custody — not pooled, not rehypothecated.

I
Sign up and verify identity
Download the Denaro Pay app. Complete KYC via Persona — government ID scan and liveness check. OFAC sanctions screening runs automatically at signup. Blocked countries are rejected instantly.
II
Your wallet is created on Base
A Circle Programmable Wallet is provisioned exclusively for your account on Coinbase Base. You receive a unique wallet address. Your USDC is held in your custody, segregated from Denaro Pay's balance sheet.
III
Fund via Coinbase Pay or Binance Pay
US users deposit fiat via Coinbase Pay, which converts to USDC and settles to your Base wallet. International users can fund via Binance Pay. You can also receive USDC directly from any external Base wallet.
IV
Send, receive, earn, spend
Send USDC to any wallet address or phone number globally for $0.001. Receive from anywhere. Your idle balance earns 5.20% APY via Morpho Blue — per block, continuously, with no action required from you.
§II
Specifications
Full technical detail

Circle Programmable Wallets on Coinbase Base.

Every technical decision in the wallet layer was made to maximize security, minimize cost, and achieve the fastest possible settlement for global transfers.

Wallet infrastructureCircle Programmable Wallets API
Settlement networkCoinbase Base L2 (Ethereum rollup)
AssetUSDC — Circle Internet Financial
Fee per on-chain transfer$0.001
Average settlement timeUnder 2 seconds
Countries covered150+
Fiat on-ramp (US)Coinbase Pay
Fiat on-ramp (International)Binance Pay
Fiat off-rampAirwallex — 60 currencies
Virtual checking accountAirwallex — US routing number and account number
Direct depositYes — ACH routing number provided
Custody modelSegregated — not pooled with other users
Custody institutionCoinbase Prime
Post-quantum securityBTQ ML-DSA on every on-chain transaction
Yield on idle balance5.20% APY — Morpho Blue on Base
KYC providerPersona — Government ID + liveness check
AML / sanctions screeningChainalysis — OFAC and ongoing monitoring
§III
Features
What comes included

Everything the wallet does out of the box.

Global transfer
Send to 150+ countries
Enter a wallet address, phone number, or email. Confirm with biometrics. USDC settles on Base in under two seconds. $0.001 per transfer regardless of amount or destination.
Fiat off-ramp
60 local currencies via Airwallex
Convert USDC to local fiat in 60 currencies. Airwallex delivers via local bank transfer at mid-market rate. No intermediary fees, no correspondent bank charges.
Virtual checking account
US routing number included
Every US account includes an Airwallex virtual checking account with a routing number and account number. Set it as your direct deposit destination with any employer or platform.
Yield accrual
5.20% APY — per block
Every dollar in your wallet earns 5.20% APY via Morpho Blue on Base. Yield accrues on every block — approximately every two seconds — and compounds continuously. No minimum balance, no lockup.
Transaction history
Full ledger with Base explorer links
Every transaction is recorded on Base and visible in your app with a direct link to the Coinbase Base explorer. Full auditability, all the time.
Security
Biometric confirmation on every send
Every outbound transfer requires biometric confirmation — Face ID or fingerprint. Transfers over $500 require SMS 2FA via Twilio. New wallet addresses are whitelisted with a 24-hour delay before first send.
§IV
Live view
Your wallet ledger

What your wallet looks like.

Every transaction on Base appears in real time. Inbound, outbound, yield, card spend, payout — all in one ledger.

Wallet · 0xA7F2…B319 · Base L2Live · 15:42:18 EDT
$128,412.04
USDC balance · yield accruing at 5.20% APY · Morpho Blue
15:42Outbound London · GBP off-rampGB · USDC → GBP−2,400.00
14:07Payout Funded Next · CREST AIWire → USDC+2,160.00
13:31Yield accrual · block 18429101Morpho Blue+0.87
12:04Visa · Café de Flore · ParisEUR spend−6.40
11:38Inbound Airwallex · SGD remittanceSGD → USDC+18,200.00
09:00Direct deposit · employer payrollACH → USDC+5,400.00
Settlement · Base L2Custody · Coinbase PrimeSignature · BTQ ML-DSA
$0.001

Per transfer, to 150 countries, settling in under two seconds. The wallet is free. Open yours now.

Open your wallet →