Everything you
need to know.

Denaro Pay is a multi-chain financial platform combining a USDC stable wallet, instant global payments, an institutional trading bot, a Visa card, and token swaps in a single application. All balances are held in USDC on Coinbase Base. There are no transfer fees and no foreign exchange markups.

No. Denaro Pay does not require a traditional bank account. You can open an account, receive a USDC wallet, and begin sending and receiving money using only a government-issued ID and a smartphone. A Circle multi-sig wallet on Coinbase Base is provisioned automatically when your account is approved.

All balances on Denaro Pay are held in USDC, a fully-reserved stablecoin issued by Circle and pegged 1:1 to the US dollar. Every USDC is backed by cash and short-term US Treasuries. USDC eliminates the volatility of non-stablecoin cryptocurrencies while keeping the speed and programmability of on-chain settlement.

US users can fund their wallet via Coinbase Pay, which supports direct bank transfer and debit card. International users can deposit through Binance Pay or send USDC directly from any external wallet to their Denaro Pay address on Coinbase Base. Crypto deposits from other EVM-compatible networks are supported via the built-in token swap.

User funds are held in institutional custody by Coinbase Prime, one of the most regulated and well-capitalized crypto custodians in the world. Wallet architecture uses Circle Programmable Wallets with multi-sig security. Coinbase Prime holds SOC 2 Type II certification and maintains insurance coverage on custodied assets. USDC itself is not FDIC insured, but Circle maintains full 1:1 reserves audited by independent accounting firms.

Denaro Pay is available in 150+ countries. Accounts from OFAC-sanctioned jurisdictions are blocked automatically at signup. Some features, including the Coinbase Pay fiat on-ramp and the 10% performance fee trading model, are restricted to US users. International users have access to the full platform through monthly subscription plans.

Account creation takes under two minutes for most users. You will need a government-issued photo ID and a selfie for the liveness check, processed by Persona. Once your identity is verified, your USDC wallet is provisioned instantly. You can begin sending and receiving funds immediately.

Transfers between Denaro Pay users are near zero cost. USDC transfers settle on Coinbase Base, an Ethereum Layer 2 network with on-chain fees well under one cent. Standard Base network fees are covered by Denaro Pay for all transfers under daily limits. There are no foreign exchange fees, no correspondent bank charges, and no hidden markups of any kind.

Transfers settle in under two seconds. Coinbase Base processes blocks at approximately one-second intervals. There are no bank cut-off times, no weekday-only windows, and no T+2 settlement delays. Whether you are sending to someone in the same city or across the world, the settlement time is the same.

Yes. You can send USDC to any wallet address on Coinbase Base or any compatible EVM network. The recipient does not need a Denaro Pay account to receive the funds, though they will need a compatible wallet to access them. For the best experience, we recommend the recipient create a Denaro Pay account to receive the transfer directly and benefit from zero-fee settlement.

Default daily send limits are set at account level and vary by verification tier. All transfers over $500 require 2FA confirmation via SMS in addition to biometric approval. Users can configure their personal daily send limit up to a hard backend cap enforced server-side. Higher limits are available to users who complete enhanced KYC verification.

The Denaro Pay Visa card is issued by Marqeta and funded directly from your USDC wallet balance. When you make a purchase, USDC is converted to local currency at the prevailing rate through Marqeta's FX engine. A virtual card is available immediately on account approval. A physical card can be ordered from the app and shipped worldwide. NFC tap-to-pay is supported on all NFC-enabled terminals.

No. The trading bot is completely optional. You can use Denaro Pay purely for payments, the Visa card, and USDC storage without ever enabling the bot. The trading features are a separate module within the app and have no effect on your wallet or payment functionality.

US customers pay a 10% performance fee on net profits only. There is no monthly subscription fee. If the bot generates no profit in a given month, no fee is charged. International customers choose between a Pro plan at $29 per month or a Power plan at $99 per month. Both international plans have no performance fee — you keep 100% of all profits generated.

The fee is applied to net realized profits generated by the trading bot each calendar month. If your bot generates $500 in net profit during a billing period, you keep $450 and Denaro Pay earns $50. If the bot finishes the month flat or at a loss, no fee is charged. The fee is deducted automatically before settlement to your USDC wallet. This structure aligns our incentives directly with yours.

Navigate to the Trade tab in the app and select Connect Prop Firm. Choose your firm from the directory and enter your API credentials. All keys are encrypted immediately using Fernet symmetric encryption and stored in AWS Secrets Manager. They are decrypted only in memory at execution time and are never logged, returned to the frontend, or stored anywhere in plain text.

The consistency score monitors your trading activity to ensure it never violates prop firm payout rules. Most funded account programs require traders to demonstrate consistent risk management. A common rule is that no single day can account for more than 40% of total profits. The consistency score tracks this and related metrics in real time, alerting you before any action risks payout disqualification.

Denaro Pay offers USDC yield earning of up to 5.2% APY through on-chain vaults powered by Morpho Blue and Aave v3 on Coinbase Base. There is no lockup period. You can deposit and withdraw at any time. Yield rates are variable and reflect on-chain lending market conditions. Rates are displayed in real time within the app.

Profits settle directly to your USDC wallet in real time as trades close. Each settlement is visible in your transaction history with the entry, exit, position size, and realized P and L. You can spend settled profits on your Visa card, transfer them internationally, or move them into the yield vault immediately. Nothing is held in escrow or delayed.

All user-provided API keys are encrypted on submission using Fernet symmetric encryption. Encryption keys are stored in AWS Secrets Manager and rotated automatically every 90 days. API keys are decrypted in memory only at the exact moment of trade execution. They are never logged, never returned to the frontend, and never stored in plain text anywhere in the Denaro Pay system.

Identity verification is handled by Persona, which requires a government-issued photo ID and a liveness selfie. All users are screened against OFAC sanctions lists at signup. Ongoing transaction monitoring uses Chainalysis blockchain intelligence to screen all on-chain transfers. Sardine monitors behavioral patterns for fraud signals throughout the account lifecycle. Accounts from sanctioned jurisdictions are blocked automatically at the point of registration.

You can freeze your account instantly from within the app by navigating to Settings and selecting Freeze Account. This immediately blocks all outgoing transfers and card transactions. Contact our fraud team at support@denaropay.com or via in-app chat, available 24 hours a day, seven days a week. Our fraud team will review activity and assist with account recovery. Geo-anomaly detection will also automatically flag logins from new countries and may trigger a freeze before you notice the activity yourself.

Denaro Pay operates KYC and AML programs consistent with FinCEN guidance for money services businesses. Denaro Pay is not a chartered bank and does not hold a bank license. USDC held on the platform is not insured by the FDIC or any equivalent government deposit protection scheme. Custody of user funds is provided by Coinbase Prime, which holds institutional custody licenses and maintains insurance coverage on custodied assets. Regulatory status varies by jurisdiction. Users are responsible for understanding the rules applicable to them in their country of residence.