Payments across currencies,
made effortless.
Hold and move USD, EUR, and GBP in one place. Convert at transparent rates. Let Hive, our AI assistant, help you pay by conversation — safely.
Built for money that crosses borders
Everything you need to hold, convert, and move funds — with the guardrails you would expect from serious financial infrastructure.
Multi-currency wallet
Hold USD, EUR, and GBP side by side. Receive in one currency and spend in another without leaving the platform.
Hive AI assistant
Pay by conversation. Hive drafts transfers, explains fees, and confirms every action with you before anything moves.
Transparent FX
See the mid-market rate and our margin, in plain numbers. No hidden spread, no surprise amounts.
Bank-grade security
Modern encryption, strong authentication, and a fully auditable ledger for every transaction.
How it works
Three steps from sign-up to sending your first payment.
Open your account
Create your Smart Pay Engine account and verify your identity in minutes.
Fund a currency
Add USD, EUR, or GBP. Balances live side by side in a single dashboard.
Pay with Hive
Ask Hive to send funds, quote a conversion, or explain a fee — you approve every action.
Designed to be boring in the right places.
Every action is recorded on an append-only ledger. Every transfer has a unique reference. Retries are idempotent by design, so a lost connection never means a lost — or duplicated — payment.
Encryption
In transit and at rest, with strong authentication.
Idempotent transfers
Retries are safe. Payments happen exactly once.
Auditable ledger
Every balance can be explained down to the event.
Reconciled daily
Internal records checked against partner statements.
Ready to move money like it's one currency?
Launch the app to open an account, or read the blog to learn how modern payments work.