Denaro Pay · Company

Built to solve
a real problem.

Denaro Pay was founded by Jeffrey Terranova, a funded futures trader who experienced every friction the financial system creates — and decided to fix all of it in one product.

§I
Founder
Jeffrey Terranova

The company started with one trader's frustration.

Every payout took fourteen days. Every international transfer cost three percent. Every USDC balance sat idle while a bank earned on it instead. The solution was obvious — it just did not exist.

Jeffrey Terranova is a funded futures trader and the founder of Denaro Pay. Trading NQ futures, he encountered the same structural problems every active trader faces: slow payouts, idle capital that earns nothing, international settlement fees that consume a meaningful share of profits, and no single product that addressed all of it simultaneously.

He founded Denaro Pay in New York in Q4 2025 to build the product he needed. The platform composes Coinbase Base, Circle USDC, Marqeta Visa, Airwallex global payments, Morpho Blue yield, and BTQ post-quantum security into one account — available to anyone, anywhere, with no international fees.

Jeffrey Terranova Founder · Denaro Pay · New York
Founder
Jeffrey Terranova
Founder · Chief Executive Officer
Funded futures trader. Founded Denaro Pay to solve the payment and settlement problems active traders face. Based in New York.
Jeffrey@denaropay.com
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Timeline
Q4 2025 — 2028

From concept to global infrastructure.

Denaro Pay is being built systematically, one layer at a time. Each milestone unlocks the next. The full product is on track for global availability by 2027.

Q4 2025
Complete
Company founded and platform scaffold
Denaro Pay Incorporated registered in Delaware. Full stack scaffold across frontend, backend, smart contracts, and infrastructure completed. Partner integrations scoped with Coinbase, Circle, Marqeta, Airwallex, Morpho, and BTQ.
Q1 2026
Complete
Wallet, KYC, and USDC settlement live
User authentication, KYC via Persona, AML via Chainalysis, and Circle Programmable Wallet creation on Base. USDC send and receive live in 150+ countries. Fiat on-ramp via Coinbase Pay. Airwallex off-ramp to 60 currencies.
Q2 2026
Live
Visa card, yield, and CREST AI execution engine
Marqeta virtual and physical Visa card. NFC tap-to-pay. Morpho Blue yield accrual on every block at 5.20% APY. CREST AI grade execution engine connected to Tradovate and Rithmic OAuth for prop firm and live capital accounts.
Q3 2026
Upcoming
Social payments, direct deposit, and QR codes
Split bills, request money, social payment feed, QR code payments, and direct deposit routing number. Pay Advance for approved prop firm payouts not yet wired.
Q4 2026
Upcoming
Merchant payments and physical card global rollout
Merchant payment acceptance at 0.50% per transaction. Zero chargebacks by design. 150+ country coverage. Physical card delivery to all supported jurisdictions. USDC yield for merchants on idle settlement balance.
2027
Roadmap
Global retail expansion and prop firm payout network
Expansion to full global retail availability. Prop firm payout network with automated wire-to-USDC conversion for all supported firms. CREST AI expansion to additional instruments and session windows.
2028
Roadmap
Full banking replacement layer
Complete replacement of traditional banking for the target customer — active trader, freelancer, and internationally mobile professional. All financial operations in one account with no fees beyond the base pricing structure.
§III
Principles
How we build

Three principles, non-negotiable.

I
Compose, do not reinvent
Denaro Pay does not build its own stablecoin, custody layer, card network, or settlement rail. It composes the most trusted primitives in regulated finance — Circle, Coinbase, Marqeta, Airwallex — into one product surface. Every component is audited, regulated, and backed by institutional infrastructure.
II
Transparent pricing, always
Every fee is published. The 10% performance fee has a precise legal definition on every page it appears. No hidden spread on FX. No yield haircut. The wallet, card, and settlement are free. Denaro charges only where it delivers distinct value — grade execution infrastructure and merchant processing.
III
Security as infrastructure
Seven independent security layers operate continuously. Post-quantum ML-DSA signatures from BTQ Technologies are applied to every on-chain transaction. KYC, AML, and sanctions screening run at signup and continuously. All API keys are Fernet-encrypted in AWS Secrets Manager and never logged or returned to frontend.
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Contact
Investor and press

Get in touch.

For investor relations, press inquiries, and partnership discussions, contact Jeffrey directly. All inquiries are handled personally.

Investor relations
Jeffrey Terranova
Jeffrey@denaropay.com
Press and media
Press inquiries
Jeffrey@denaropay.com
Partnerships
Partner integrations
Jeffrey@denaropay.com