Accounts

Every currency your business needs. One account.

Hold balances in 140+ currencies and in stablecoins, receive payments with local account details, and convert at transparent rates whenever you choose.

Total balancein USD
$146,912.40
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Convert Pay out Receive
What you get

A treasury that works in every market you do

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Local account details

Get paid like a local, wherever your clients are

Share account details in your own business name. Your clients pay a domestic transfer, and you avoid intermediary bank fees.

Available currencies and rails depend on your country of incorporation.

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Convert from USDIllustrative rate
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You receive
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Foreign exchange

Transparent conversion, no hidden spread

See the rate and the fee before you confirm. Convert in one click, on a schedule, or automatically when a payment arrives.

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Stablecoins

Fiat and stablecoins, side by side

Hold USDC and USDT next to your fiat balances. Receive from any wallet, convert both ways and pay out on-chain or to a bank.

USDC / USDTUSD · EUR · GBPBank or card

Every deposit is screened against sanctions and risk lists before it is credited.

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Open your multi-currency account

No monthly fee. Explore in test mode before you go live.

Open an accountCollect payments
Accounts

Every currency your business needs. One account.

Hold balances in 140+ currencies and in stablecoins, receive payments with local account details, and convert at transparent rates whenever you choose.

Total balancein USD
$146,912.40
US dollar84,210.55
Account nameAcme Inc.
Account number•••• 4821
Routing (ACH / wire)•••• 0210
Convert Pay out Receive
What you get

A treasury that works in every market you do

Multi-currency wallets

Open a balance in any of 140+ currencies in one click.

Local account details

Receive USD, EUR, GBP and more like a local business.

Transparent FX

Convert at a clear rate, with the fee shown before you confirm.

Stablecoin balances

Hold USDC and USDT, and convert to fiat both ways.

Sub-accounts

Separate balances per entity, client, project or market.

Auto-conversion

Convert incoming payments automatically into the currency you choose.

Statements

Monthly statements and confirmations for every balance.

Safeguarded funds

Balances are held by licensed partners in safeguarded accounts.

Local account details

Get paid like a local, wherever your clients are

Share account details in your own business name. Your clients pay a domestic transfer, and you avoid intermediary bank fees.

Available currencies and rails depend on your country of incorporation.

USDUS dollarACH and domestic wireSame or next day
EUREuroSEPA and SEPA InstantInstant to 1 day
GBPBritish poundFaster PaymentsUsually instant
CADCanadian dollarEFT1 to 2 days
SGDSingapore dollarFASTUsually instant
HKDHong Kong dollarFPSUsually instant
Convert from USDIllustrative rate
1 USD = 0.9200 EURFee 0.4%
You receive
9,163.20 EUR
Foreign exchange

Transparent conversion, no hidden spread

See the rate and the fee before you confirm. Convert in one click, on a schedule, or automatically when a payment arrives.

—Rates and fees shown before every conversion
—Convert now, on a schedule or when payments arrive
—Lock a rate for an upcoming supplier payment
Stablecoins

Fiat and stablecoins, side by side

Hold USDC and USDT next to your fiat balances. Receive from any wallet, convert both ways and pay out on-chain or to a bank.

USDC / USDTUSD · EUR · GBPBank or card

Every deposit is screened against sanctions and risk lists before it is credited.

// Open a EUR balance and convert into it
const eur = await monerail.accounts.create({
  currency: 'eur',
  label: 'European suppliers',
});

const quote = await monerail.conversions.quote({
  sell: { currency: 'usd', amount: 1000000 },
  buy: { currency: 'eur' },
});

await monerail.conversions.create({
  quote: quote.id,      // rate and fee locked
  to_account: eur.id,
});

Open your multi-currency account

No monthly fee. Explore in test mode before you go live.