stablecoins. to your bank.
Get paid in stablecoins. Withdraw to your bank.
Open your stablecoin account in 30 seconds. Unlock a real EU IBAN. Accept stablecoins from anywhere, paid out in your bank.
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Use cases
Run a business Stripe refuses.
Albania, Kosovo, North Macedonia, Bosnia, Serbia, Montenegro, Georgia, Armenia, Moldova. Your business, your EU IBAN, your funds.
- 30s setup
- No application
- Real EU IBAN
Send €1,000 home without losing €80.
4.8M Western Balkans nationals in Western Europe send €63B home every year. Western Union and banks charge 5-8%. Move EUR over SEPA and stablecoins instead.
- Save €70 per €1,000
- Same-day SEPA
- No FX spread
Invoice a client without a limited company.
Freelancing as a sole prop? Accepting your first international contract? Get an EU IBAN in your name and start invoicing this week.
- No company needed
- No lawyer, no bank appointment
- Invoice today
How it works
Click. Paid. Settled. Under 10 seconds.
Customer chooses how to pay
Digital wallet or bank transfer. One checkout for humans and AI alike.
One tap to pay. Settled in under 1 second.
No 4-8% card+FX stack. Banks take 1-3 days. Stablecoins settle in seconds.
Pricing
Pick your payment method.
Card payments
Customers paying you by card.
on card payment processed
How it works: Buyer pays with Visa, Mastercard, Apple Pay or Google Pay. Funds settle directly to your wallet as stablecoins. No intermediate balance. End-customer fee covers processor, scheme and fraud cost.
Stablecoin payments
Global customers paying you in stablecoins.
on stablecoin received
Inbound: Customer pays any stablecoin or ETH on Base. Funds settle to your USD or EUR balance. Gasless for the buyer.
In-wallet: Same 1.0% if you change currency (USD ↔ EUR) later. Gasless for you too.
Bank transfers
Buyers in 36+ SEPA countries pay you in EUR. You withdraw to your bank.
today, KYB required
How it works: Get a virtual EU IBAN in your company name. Buyers can pay your invoices via SEPA bank transfer (no card fee). You withdraw EUR to your bank via SEPA whenever you want. Free both ways.
Volume pricing or white-glove onboarding? Talk to the founder →
Plus everything else, free.
No setup. No monthly. No minimum. Pay only when you get paid.
Already trusting us
Real merchants. Real flows.
“We run a cross-border eCommerce compliance platform. Our merchant customers pay for the platform directly in WETH or USDC at checkout, and we receive EURC settled to our wallet on Base. EUR off-ramp via SEPA is built in. Live since March.”
“We sell AI courses to non-profits across Africa. No card processor would touch it. With AgentaOS our buyers pay in USDT on Base, we receive funds to the wallet, and the virtual IBAN settles EUR to our Macedonian bank via SEPA.”
“I invoice US clients for design work. They pay in USDT on Base instead of fighting wire fees. AgentaOS converts to EUR, lands it in my bank via SEPA. 1% all-in, no SWIFT.”
Built with regulated partners
Monerium (licensed EU EMI) for banking · Circle for MiCA-regulated EURC/USDC · Base for stablecoin settlement · x402 for AI agent payments
Frequently asked questions.
No. You set up your account, create checkout links, and withdraw to your bank. The stablecoin settlement happens behind the scenes. Your accountant sees EUR. Today your customers pay from a crypto wallet. Card and SEPA bank transfer options are onboarding in 2 weeks; customers won’t need crypto knowledge to use them.
You get a virtual EU IBAN in your company name and withdraw EUR to your bank via SEPA in 1-2 business days. The withdrawal itself is free. KYB onboarding takes 2 weeks. 160+ countries can open a stablecoin account today. SEPA payments and withdrawals work across 36+ countries, including the Western Balkans region.
Your funds live in a wallet only you can sign from, via passkey on your own device. AgentaOS never holds your private keys, never takes custody of your money, can’t freeze your account. If AgentaOS disappeared tomorrow, your funds and EU IBAN would still be yours. Compare to Stripe, which can freeze your account with 3 days notice and hold your funds for 120 days.
Yes. That’s a big reason we exist. Stripe serves 46 countries. We support 160+. If you can sell online, you can use AgentaOS. Balkans, Africa, Latin America, Middle East. All supported.
You do. AgentaOS is non-custodial: you hold your own keys. No single party ever has your full private key. Your funds are backed 1:1 by EUR and USD in regulated reserves (Circle USDC/EURC). Nobody can freeze your account.
Stablecoin payments settle on-chain in seconds. If your customer pays by SEPA bank transfer, it lands in minutes to 1 business day. Card payments are near-instant once the rail is live. Withdrawing EUR to your local bank via SEPA takes 1-2 business days and is free.
Pricing depends on which payment method your customer uses, charged on receipt: 1.0% when they pay in stablecoins (auto-conversion to your USD or EUR balance included). 4.5% when they pay by card (Visa, Mastercard, Apple Pay, Google Pay) once the card rail goes live in 2 weeks. 0% on SEPA: buyers can pay you in EUR via SEPA bank transfer with your VIBAN, and you withdraw to your bank, free both ways. KYB needed for the SEPA rail. No setup fee, no monthly minimum.
Three ways to pay you: stablecoin, card, or SEPA bank transfer. Stablecoin checkout accepts USDC, USDT, DAI (USD-pegged) and EURC, EURe (EUR-pegged). SEPA buyers in 36+ countries can pay directly to your EU IBAN, no crypto wallet needed. Card payments (Visa, Mastercard, Apple Pay, Google Pay) onboarding in 2 weeks.
Yes. You get both an EUR account and a USD account in the same wallet. EUR has full bank integration via a real EU IBAN (SEPA in, SEPA out). USD is currently stablecoin-only. You can receive and send USDC/USDT/DAI, but USD bank withdrawals are on the roadmap.
Building AI agents or x402-paid APIs? See the agent economy docs →
Your stablecoin account, open in 30 seconds.
No application. Non-custodial. From 1% per transaction. Withdraw EUR to your bank.