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Now live worldwide · 150+ countries

Banking for the world. Built for earning.

Send, spend, and grow your money — without borders, without high fees. A global wallet anyone can open in minutes. With the option to earn more, automatically.

Download for iOS Download for Android
Free to open
No bank account needed
USDC stable balance
Visa card included
KYC in 2 minutes
USDC$1.0000Stable
Send fee$0.001Base L2
BTCUSDT$83,420+2.4%
Yield APY5.2%Morpho
ETHUSDT$3,241+1.8%
Payout time3 secondsvs 14 days
Countries150+Global
SOLUSDT$142-0.6%
USDC$1.0000Stable
Send fee$0.001Base L2
BTCUSDT$83,420+2.4%
Yield APY5.2%Morpho
ETHUSDT$3,241+1.8%
Payout time3 secondsvs 14 days
Countries150+Global
SOLUSDT$142-0.6%
Layer 1 · Core Wallet

Your money.
Everywhere.

A bank account for anyone, anywhere. Open in minutes. No minimum balance. No hidden fees. Works in 150+ countries from day one.

Send and receive globally
Transfer USDC to anyone worldwide in under 2 seconds. By username, phone, or QR code. Near zero fees on Coinbase Base. No bank needed on either end.
USDC stable balance
Your balance is always in USDC. Always $1.00. No price swings, no stress. Your savings stay exactly what you put in, plus any interest you earn.
Spend with your Visa card
Virtual Visa card ready instantly. Physical card available. NFC tap to pay. Works online and in stores globally. USDC converts to local currency at checkout.
Direct deposit and bill pay
Get your paycheck sent directly to Denaro Pay. Split bills, request money, pay recurring expenses. Everything you get from a bank, without the bank.
9:41 5G
Good morning
Jeffrey
Total Balance
$24,850
+$342.50 today · USDC · Coinbase Base
Send
Receive
Card
+
Send
+
Receive
+
Swap
+
Earn
Recent activity
Henry Hawkins
Transfer · 12:28 PM
+$980
Starbucks
Visa card · NFC · Today
-$6.50
Bot earnings settled
AI Trading · Yesterday
+$142.50
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Home
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Pay
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Earn
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Card
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More
150+
Countries supported
$0.001
Average transfer fee
5.2%
APY on idle USDC
2 min
To open your account
Layer 2 · Earning

Your money
works for you.

Once your wallet is set up, turn on earning. The AI bot trades on your behalf. Prop firm payouts land in seconds. Yield grows your balance automatically. You choose how much, if any, to activate.

AI Trading Bot
01
Automated trading
Our AI bot trades Binance Futures on your behalf using a proven EMA crossover strategy. Start or stop anytime. Profits settle to your wallet automatically.
68%
win rate
Prop Firm Payouts
02
Prop firm integration
Connect your funded trading account. Receive prop firm payouts in 3 seconds via Coinbase Base. No wire transfers. No waiting. Spend on your Visa card immediately.
3s
payout time
Passive Yield
03
Earn on idle USDC
Your idle USDC earns up to 5.2% APY via Morpho Blue and Aave v3 on Coinbase Base. No lockups. Withdraw anytime. Your money grows while you sleep.
5.2%
APY
How it works

Up and running
in minutes

1
Download and sign up
Enter your phone number. Verify your identity in under 2 minutes via Persona KYC. No bank account required. No credit check.
2
Your wallet is ready
USDC wallet created instantly on Coinbase Base. Virtual Visa card issued immediately. Add funds with a debit card or receive a transfer.
3
Send, spend, receive
Send money globally for near zero fees. Tap to pay anywhere Visa is accepted. Receive payments from anyone, anywhere in the world.
4
Turn on earning
Optionally activate the AI trading bot, connect a prop firm account, or earn passive yield on your USDC balance. Your choice, your pace.
Coming Soon · Merchants

Accept payments
globally.

A merchant wallet that lets any business accept USDC payments globally with near-zero fees. No chargebacks. Instant settlement. Lower cost than Stripe or PayPal.

▲
Instant settlement
Payment received in USDC instantly via Base network. No 2-7 day wait. No holds. Funds available immediately to spend or withdraw.
▲
Global customers
Accept payments from any Denaro Pay user in 150+ countries. QR codes, payment links, and POS integration. No geography restrictions.
▲
Near zero fees
Stripe charges 2.9% + $0.30 per transaction. Denaro Pay charges a fraction of that. Keep more of every sale. No monthly fees.
Join the Merchant Waitlist
Today's revenue
$4,280
USDC · Settled instantly · 23 transactions
$0
Chargebacks
0s
Settlement time
47
Countries reached
STRIPE FEES
2.9%
→
DENARO FEES
0.5%
The Big Picture

A global
financial network.

We are not building a wallet. We are not building a trading app. We are building the financial rails that connect billions of people who have been left out of the global economy.

01
Users are wallets
Every person who joins Denaro Pay gets a global USDC wallet. Send to anyone. Receive from anywhere. No bank needed. Works on a phone with no data contract.
02
Merchants are rails
Every business that accepts Denaro Pay becomes a node in our global payment network. From street vendors in Lagos to e-commerce stores in Manila. USDC flows everywhere.
03
Trading is the yield engine
The AI trading bot and prop firm layer generate yield for users who want it. This is the optional layer that turns a payment app into a wealth-building platform. For those who choose it.
Infrastructure
Coinbase Prime
USDC custody
·
Binance Futures
Trading execution
·
Circle USDC
Stable currency
·
Marqeta
Global Visa card
·
Coinbase Base
L2 settlement

YOUR MONEY. EVERYWHERE.

Open your global wallet in 2 minutes. Free.No bank account needed. Start sending, spending, and earning today.

Download for iOS Download for Android
Trusted infrastructure
Coinbase Prime Binance Futures Circle USDC Marqeta Visa AWS Infrastructure