BankiPay

Send, receive, convert — anywhere in 30 seconds.

P2P by BankiPay ID. Stablecoin deposits. Fiat withdrawals to local banks. AI Insight tells you what changed in your activity today.

Get a BankiPay account See pricing

What you get

P2P by BankiPay ID

Send to any BankiPay user by their ID. Funds arrive instantly, no network fee inside the OS.

Stablecoin deposits

Receive USDT / USDC on Ethereum, Polygon, Arbitrum, Base. Auto-converted on arrival.

Fiat withdrawals

Withdraw to HKD / USD / CNY bank accounts. Settled in 1 business day.

AI Insight on dashboard

Daily read of your activity. Uses your active LLM provider. Tone varies by what changed.

In practice

Personal · Maya · HK freelancer

A US client pays Maya $4,200 in USDT. BankiPay converts to HKD on arrival — 1.2% FX rate at her current VIP tier. The AI Insight card flags the larger-than-usual inflow and surfaces a tax-set-aside suggestion.

$4,200

USDT → HKD in 30s

At a glance

0.25%

P2P transfer fee

4 chains

Ethereum · Polygon · Arbitrum · Base

30s

Avg settlement

24/7

Always on