Home›Personal›Pay

Send and settle in seconds

Multi-rail P2P at 0.25% per transfer, FX at the mid-rate. EVM + Tron direct sends carry no network fee on our side. Recipient doesn't need a Banqi account — funds arrive at their wallet address.

Send your first payment See supported rails

What you get

Multi-rail routing

Tron, Bitcoin, and EVM direct. We pick the cheapest rail in 200ms; you see the chosen path before you confirm.

FX at the mid-rate

Tiered FX markup on top of the Reuters / Chainlink mid-market rate: 1.2% (VIP 1-3) · 1.0% (VIP 4-6) · 0.8% (VIP 7-9) · 0.5% (VVIP). P2P transfers are 0.25% flat.

Recipient needs nothing

Send to a wallet address. Funds arrive at the recipient's self-custody wallet — they can hold, swap, or cash out on their own.

Scheduled + recurring

Pay rent, a contractor, or a family member on a schedule. The routing model re-quotes each cycle so you always get the live rate.

Per-tier monthly limits

Virtual $1,000/month, Physical $10,000/month, Metal $50,000/month, 18K Gold (invite). Limits are per card tier, not per send; no "account verification" delays.

Audit-logged

Every send is signed and timestamped. Download a PDF receipt with the chosen rail, the on-chain tx hash, and the FX source. Useful for expenses and tax.

In practice

In practice · A freelancer billing across borders

Sofia invoices a Berlin client in EUR and a Singapore client in SGD. Each payment lands in EUR or SGD, auto-converts to USDC at the mid-rate, and sits in her Banqi balance until she needs it. 0.25% per transfer on P2P. No wire fees, no FX margin, no 3-business-day wait.

Fee on direct send

At a glance

<2s

Settlement (direct)

0.25%

P2P transfer fee

0.25%

P2P transfer

Tokens × 4 chains

Cross-border fee calculator

See exactly what arrives

Mock pricing — public surface

Send amount (USDT)Corridor

Recipient gets

$989.50

in 🇸🇬 Singapore · settles in 8s

FX (0.5% mid-rate)−$5.00

Bridge (0.5%)−$5.00

Network−$0.50

Total fee$10.50 (1.05%)

Home›Personal›Pay

Send and settle in seconds

Multi-rail P2P at 0.25% per transfer, FX at the mid-rate. EVM + Tron direct sends carry no network fee on our side. Recipient doesn't need a Banqi account — funds arrive at their wallet address.

Send your first payment See supported rails

What you get

Multi-rail routing

Tron, Bitcoin, and EVM direct. We pick the cheapest rail in 200ms; you see the chosen path before you confirm.

FX at the mid-rate

Tiered FX markup on top of the Reuters / Chainlink mid-market rate: 1.2% (VIP 1-3) · 1.0% (VIP 4-6) · 0.8% (VIP 7-9) · 0.5% (VVIP). P2P transfers are 0.25% flat.

Recipient needs nothing

Send to a wallet address. Funds arrive at the recipient's self-custody wallet — they can hold, swap, or cash out on their own.

Scheduled + recurring

Pay rent, a contractor, or a family member on a schedule. The routing model re-quotes each cycle so you always get the live rate.

Per-tier monthly limits

Virtual $1,000/month, Physical $10,000/month, Metal $50,000/month, 18K Gold (invite). Limits are per card tier, not per send; no "account verification" delays.

Audit-logged

Every send is signed and timestamped. Download a PDF receipt with the chosen rail, the on-chain tx hash, and the FX source. Useful for expenses and tax.

In practice

In practice · A freelancer billing across borders

Fee on direct send

At a glance

<2s

Settlement (direct)

0.25%

P2P transfer fee

0.25%

P2P transfer

Tokens × 4 chains

Cross-border fee calculator

See exactly what arrives

Mock pricing — public surface

Send amount (USDT)Corridor

Recipient gets

$989.50

in 🇸🇬 Singapore · settles in 8s

FX (0.5% mid-rate)−$5.00

Bridge (0.5%)−$5.00

Network−$0.50

Total fee$10.50 (1.05%)