The first financial OS · Regulated EU e-money

Get paid like the money is yours.

Send an invoice in seconds. Your clients pay however they want, and the money settles to a balance only you control, usually in under a minute.

Bank transfer 1% Stablecoin 1% Card 4%
Regulated money, held by you Monerium Circle
The whole industry is built on holding your money and deciding what you can do with it. We're not interested in that business. We never hold yours.
Who it's for

An invoice that works harder for your business.

Whoever sends the invoice, the money lands where only you can move it.

Freelancers

Keep more of every project and get paid faster, with automatic reminders and no monthly fee.

Agencies

Reclaim billable hours. One link per client and books that reconcile themselves.

Consultants

Win high-ticket clients with a payment experience as senior as your work.

Contractors

Get paid on the job and take bigger projects with same-day access to your money.

eCommerce

Fund the next inventory run. No capital frozen in someone else's settlement queue.

Cross-border

Bill clients in 160+ countries and capture local payment methods, day one.

The problem

Bank rails are a slow, expensive way to get paid.

01

Slow

Your clients want options, but you wait days for funds to clear, longer if your account is new.

02

Expensive

You pay a subscription for accounting features you never open, plus card fees stacked on top.

03

Held

The money sits in someone else's account. A review can freeze it for months, with no notice.

Same-day settlement

Every payment method. No subscription.

Generate a stunning invoice and get paid directly to a balance only you control.

The industry's lowest transfer fees
Pay by card, bank transfer or stablecoin
Same-day payouts in your currency
Cash out to your bank, a digital wallet, or as cash
Unlimited invoices, no subscription
Syncs with Xero and QuickBooks
Create an invoice →
How it works

A faster invoice experience, with lower fees.

A beautiful invoice, without a designer

Your clients deserve a great payment experience. AgentaOS generates clean, minimal invoices with your logo and details in a few clicks. Send as many as you like, no monthly fee.

★★★★★"I used to design each invoice in Figma. Now I share a beautiful one with a single click."Daniel R. · Designer
app.agentaos.ai/invoices
Invoice
0042
PAID
From
Tablin Studio
To
Charm AI
Brand identity system€14,000.00
Website design€6,800.00
Total due€20,800.00

One link, every payment method

No juggling platforms. Each invoice carries a secure link that lets your client pay by card, bank transfer (ACH/SEPA) or stablecoin (USDC/EURC). Bank and stablecoin fees are just 1%. The same link is even payable by AI agents.

★★★★★"Payments are always under one invoice number, even when clients switch from bank to crypto."David D. · Operations
agentaos.ai/pay/INV-0042
Pay Tablin Studio
€20,800.00
Choose how to pay
Bank transfer1% fee
Card4% fee
Stablecoin · USDC1% fee
Pay €20,800.00

Same-day payouts, your way

Don't let banks hold your money hostage. Our non-custodial system converts each payment to your currency and sends it out the way you choose, usually the same day it clears, not just to a bank or card.

★★★★★"I received my money within seven minutes. Zero hassle. It felt great."Nikola P. · Freelancer
Bank transferDigital walletStablecoinCash
app.agentaos.ai/payouts
Payout
ARRIVES TODAY
€20,800.00
Your bank account
EE03 •••• 8612
Paid
0:00
Converted
0:21
Sent
0:41
Integrations & security

Syncs with your books. Built to bank-grade standards.

Connect QuickBooks or Xero and every paid invoice reconciles itself.

Xero
Invoice, payment, contacts and GL category sync both ways, automatically.
QuickBooks
Invoices, payments, customers and products/services stay in lockstep.
PCI
PCI compliant
We meet PCI standards to keep cards and bank details safe.
SSL
Encrypted & tokenized
Industry protocols tokenize and encrypt your data end to end.
Pricing

$0 a month. You only pay when you get paid.

No subscription, no setup cost, no card on file. The per-transaction fee covers what it costs to move money, nothing else.

1%

Bank transfer

ACH and SEPA. The lowest rate, same-day settlement.

1%

Stablecoin

USDC / EURC, converted to your currency on arrival.

4%

Card

Let any client pay instantly, with no fixed per-transaction fee.

Send an invoice that gets you paid faster.

Share a stunning invoice with lower fees. Cash out your way, to your bank, a digital wallet, or cash.

FAQ

Questions, answered.

Is AgentaOS really free?+

Yes. $0 a month, no setup cost, no card on file at signup. We charge 1% on bank transfers and stablecoins and 4% on cards. You don't pay anything until money lands in your account.

How fast do I get paid?+

Same day. We send the money as soon as a payment clears, usually within a minute, straight to a balance only you control. No holds.

What payment methods can my clients use?+

Card, bank transfer (ACH/SEPA) and stablecoin (USDC/EURC), all from the same secure link. Your client picks; you get paid either way.

Do my clients need an account?+

No. They open the link, choose how to pay, and they're done. Nothing to install, no signup screen in the way.

Does it work with QuickBooks or Xero?+

Both. Invoices, payments and contacts sync on their own, in the background, in both directions.

Can I bill international clients?+

Yes. 160+ countries and 135+ currencies, with local payment methods. Same flow as a domestic invoice.

Can AI agents pay my invoices?+

Yes, it's why we're AgentaOS. The same payment link your clients use is also payable by AI agents over our API (x402), and you can connect AgentaOS to AI tools through our MCP server. Most founders never need this; it's ready when the agent economy reaches you. See agent payments →