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Our mission

We are building the
bank for everyone.

1.4 billion people have no bank account. Billions more pay 3 to 5% to send money home. The financial system was not built for them. We are changing that.

The problem

The old financial system excludes billions

Legacy banking was built for people who already have access. Wire transfers take two weeks. Payment processors charge nearly 3% on every sale. Prop firm payouts move through correspondent banks that add delays, fees, and uncertainty at every step.

The people who need fast, affordable financial services the most are the ones paying the highest fees to access them. A freelancer in Southeast Asia paying Stripe 2.9% to accept payment from a US client. A trader waiting 14 days for a prop firm payout to clear through SWIFT. These are not edge cases. They are the norm.

Denaro Pay runs on USDC on Coinbase Base. Settlement is measured in seconds, not weeks. Fees are fractions of a percent, not three points off the top.

Old World 14 days Prop firm payout via international wire transfer
Old World 2.9% Stripe merchant fee on every transaction
Denaro Pay 3 seconds Prop firm payout settled in USDC on Base
Denaro Pay 0.5% Flat merchant fee, no hidden charges
Roadmap

From concept to
global financial network.

Q4 2025
Concept and architecture
Platform architecture designed. Partner agreements with Coinbase Prime, Circle, Marqeta, and Binance signed. Security framework with six independent layers defined. Full technical specification complete.
Q1 2026
Full platform built
40+ API endpoints live on FastAPI deployed to AWS EC2. React Native app built with Expo. PostgreSQL on AWS RDS. Circle multi-sig wallet provisioning, JWT auth, biometric login, Chainalysis AML screening all operational.
Q2 2026 — Now
Live integrations and brand launch
All partner API integrations live. denaropay.com and denaropay.app launched. Trading bot connected to Binance Futures. Marqeta virtual Visa card active. Merchant payment API deployed.
Q3 2026
App Store and Google Play launch
iOS and Android apps live in both stores. First 10,000 users onboarded. Physical Visa card program launched. Direct deposit routing numbers issued to US users. NFC tap-to-pay active.
Q4 2026
Merchant platform and seed round
Merchant payment platform goes live. Seed round targeting $3M closes. 100,000 active users. USDC yield vaults live via Morpho Blue and Aave v3. Prop firm directory expanded to 20 firms.
2027
Global financial network
1 million active users across 150+ countries. $500M in annualized transaction volume. Full public developer API. Series A fundraise. Expansion into remittance corridors in Southeast Asia, Latin America, and Africa.
Infrastructure

Built on best-in-class
financial infrastructure.

We do not build custody, card rails, or exchange connectivity from scratch. We integrate the most trusted names in institutional finance to deliver reliability from day one.

Coinbase Prime
Institutional USDC custody and asset protection
Binance Futures
Trading bot execution engine via ccxt
Circle USDC
Fully-reserved stablecoin on Coinbase Base L2
Marqeta
Virtual and physical Visa card issuance
AWS
EC2, RDS, Secrets Manager, WAF infrastructure