Your business account, built on stablecoins.

No. Customers can pay you by bank transfer in USD, EUR, GBP or AED, the money stays in that currency's balance, and you pay suppliers by bank transfer from the same balances. You don't need a crypto wallet or network tokens. If your customers or suppliers use stablecoins, you can hold, receive and send USDC, USDT and EURC too, and Align pays the network fee when you send USDC or USDT.

Yes. Each currency has its own balance: pounds paid into your GBP account stay in pounds, and dirhams in dirhams, as do dollars and euros. Convert between USD, EUR, GBP and AED, or into stablecoins, when you choose, with the rate and fee shown before you confirm.

Align Payments Ltd. is registered with FINTRAC in Canada as a money services business (no. N300000203), and regulated services are provided through licensed financial institutions. Your money is kept apart from other customers' and from Align's own: currency balances in accounts in your company's name, and stablecoins in a wallet of their own. Every account needs two-factor sign-in, and payments can need an admin's approval. Align isn't a bank, so balances aren't covered by deposit insurance.

You apply online with your work email. Once your company documents are complete, the review usually takes 1–5 business days. USD ACH and wire access is requested separately and goes through a second review by Align's US banking partner.

Most registered companies can, wherever they're registered. Sole traders should talk to the team first. The exceptions are companies in the countries and activities Align can't serve, and companies based in the UAE: AED accounts are for companies outside the UAE. The eligibility checker tells you in a minute, along with what to prepare.

There's no monthly fee. Every payment shows its fee before you confirm, and every conversion its rate and fee. Align pays the network fee when you send USDC or USDT. There's no public rate card: you get a quote based on your volumes.

Share your account details: a US account and routing number for ACH and wires, an IBAN for SEPA, a sort code and account number for Faster Payments, or a UAE IBAN for dirhams. Customers can also pay in USDC or USDT, or through the payment link on an invoice.

By bank transfer in USD, including SWIFT to 180+ countries, in EUR by SEPA, in GBP by Faster Payments or in AED, or by sending USDC or USDT to a wallet. Forward a supplier's bill and AI fills in the payment, with checks for changed bank details and duplicates before you pay.

Yes. Pay out to your own bank account or to a wallet whenever you like. USDC in Earn can be withdrawn instantly, with no lock-up.