Features

BYN, USD, EUR and crypto in one account. One statement, one limit.

National Bank No. 163 methodology, Binance / Bybit / OKX liquidity, 30-second lock.

USDT/USDC to BYN and back with no spread on stablecoins.

Utilities, taxes, international transfers from any balance.

Instant P2P by tag or phone number. Free inside the bank.

Settlement over stablecoin networks 24/7 without correspondent chains.

Pay from any asset: conversion to BYN at the moment of payment.

Part of every purchase comes back in USDT or BTC.

No mark-up abroad, spread around 0.1%.

Virtual card right after opening, plastic on request.

Spare change from every purchase goes into BTC automatically.

Regular purchase of a fixed amount: daily, weekly, monthly.

BUIDL, BENJI, XAUT/PAXG inside the app as “Earn 2.0”.

Apple, Tesla, S&P 500 as 1:1 tokens in the same wallet.

Don't sell bitcoin when you need cash: BYN loan against collateral, LTV up to 40%.

Portfolio for your goal and risk profile. No promises of returns.

“Send 200 USDT”, “freeze the card”, “build a cushion”. Every operation with your confirmation.

Sub-wallet with a budget and spending policy, tied to your KYC.

The agent pays for APIs and subscriptions within a limit via open standards.

Graph models and behavioural biometrics catch mules and deepfakes before the debit.

Revenue in USDT, salaries in BYN, taxes automatically.

Payouts to teams in 150 countries in seconds, 0.1–0.5% instead of 2–7%.

Payment links, webhooks, seller payouts in one API.

Corporate control: limits, approvals, audit log.

Cash-flow forecast, rule-based auto-conversion, FX hedging.

Companies and individuals from any country with remote identification.

Term, demand and conditional deposits in tokens. Not covered by the state deposit guarantee.

“Next-generation deposit”: at least 50% of rewards go to the client. ETH, SOL, TON, ADA, DOT, NEAR, SUI, AVAX.

Crypto-backed loan without selling the asset; collateral reflected in the credit history.

Real estate, equipment and M&A deals under bank control.

Export and import paid in tokens under Resolution No. 288/13, trade support.

ICO organiser for business; a BYN stablecoin — subject to demand.

Instant transfers between clients' crypto profiles with no network fees.

For the self-employed, artisans and agro-tourism under foreign-trade contracts.

Register of crypto banks, prudential requirements, reporting.

Keys are never assembled in one place; 95% of assets offline.

Reserves ≥ 100%, cryptographically verifiable, published regularly.

A policy on custodial assets with transparent limits.

Biometrics, recovery via trusted devices, inheritance.

Key migration plan to NIST PQC, BIP-360 support.