Your money, everywhere.
Hold USD, tap to pay with Apple Pay or Google Pay, send to anyone by phone number, convert to crypto — all in one app. No monthly fees. No minimum balance. Free to open.
Three steps to money that moves.
Open in minutes
Download the app, snap your ID and a selfie. Most accounts verified the same session — complex cases may take 1–3 business days. Free.
Fund your account
Link your US bank (free), deposit crypto, or receive from another paype user. Your balance is in USD.
Move money anywhere
Spend with your card, send to anyone, convert to crypto, or withdraw to your bank. All from one app.
What you get
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Apple Pay & Google Pay card
Your virtual card is ready the moment you open your account. Spend anywhere contactless is accepted — in-store, online, in-app. No paype fee on card spend.
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Send to anyone, instantly
Send USD to any phone number or @paype handle. Instant and free between paype users. They don't need an account to receive.
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Crypto at your fingertips
Buy, sell, and swap BTC, ETH, USDT, and USDC. Settle straight to your USD balance. Swap as low as 0.30% on Orchestra.
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Get paid by anyone
Share a payment request link — friends, clients, or anyone can pay you by card, bank, or crypto without a paype account.
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No monthly fees
Free to open. No minimum balance. No monthly maintenance fee. You only pay when you move money — and you always see the fee first.
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Bank withdrawals
Withdraw USD to your linked US bank account. Free. Typically 1–2 business days.
Who can open a personal account?
| Region | Status |
|---|---|
| Montana, US | ✅ Open now |
| Rest of United States | ❌ Regulatory rollout in progress |
| Global (except CA, NZ, AU, EU) | ✅ Open now |
| Canada, NZ, Australia, EU | ⏳ Coming soon |
Government-issued ID required. Additional jurisdictions will be added as regulatory approvals are obtained.
Your security
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Tokenized card
Your real card number never leaves the app. Every transaction uses a device-specific token.
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Biometric login
Face ID or fingerprint to open the app. Your account, your biometrics.
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Real-time notifications
Every transaction triggers an instant push. No surprises, no statement-shock.
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Freeze card instantly
One tap to lock your card if misplaced. Unfreeze when found — no replacement needed.
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<div><strong style="font-family:var(--font-display)">Your money, everywhere.</strong><br><span style="font-size:0.9rem">Free to open · No monthly fee · Verified in minutes</span></div>
<a href="https://my.paype.cc/shared/_HWhUqMR9r7ZGO75Gd9HUcEbj9DZbOvaoco7JhQ_bpU" data-open-account class="btn btn-primary">Open your account — free</a>
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<p style="font-size:0.8rem;color:var(--color-text-muted);margin-top:16px">Cryptocurrency values are volatile and transactions are generally irreversible. <a href="/legal/sailor-beware/">Risk disclosure →</a></p>