Business accounts in USD, EUR, GBP and AED
Your business account, built on stablecoins.
Named USD, EUR, GBP and AED accounts in your company's name. Get paid by bank and hold it as USDC, USDT or EURC. Pay suppliers by bank to 180+ countries or in stablecoins, with AI checking every bill first.
Review in 1–5 business days · No monthly fee
FINTRAC-registered MSB · N300000203
Trusted by financial teams at
Accounts
Send and receive bank payments and stablecoins.
Get USD, EUR, GBP and AED accounts in your company's name. Collect from customers, pay suppliers by bank transfer, or send USDC and USDT to any wallet.
- Named accounts
- USD, EUR, GBP, AED
- Bank payments
- Local rails in all four currencies
- Stablecoin payouts
- USDC and USDT to any wallet
- Money lands as
- USDC or USDT; EURC for euros
Your accounts
- Account holder
- Acme Trading Ltd
- Rails
- SEPA, SEPA Instant
- IBAN
- DE89 3704 0044 0532 0130 00
Money you receive here lands in your balance as USDC or USDT, or as EURC for euros.
Recent payments
Example- +€12,500.00
Northwind GmbH
SEPA Instant, landed as EURC
- −$48,000.00
Harbor Supply LLC
Fedwire, paid from USDC
- −5,000.00 USDC
0x8f3c…a91c
USDC on Base
- +8,200.00 USDT
Lumen Studio Ltd
USDT on Tron
- −AED 36,700.00
Gulf Freight FZCO
IPP, paid from USDT
Get paid and pay
Less admin. Paid on time.
AI workflows take the manual work out of invoices and bills.
Invoices
Example- €27,400.00Unpaid
Acme Retail BV
INV-2026-0142
- £9,600.00Overdue
Kestrel Labs Ltd
INV-2026-0139
- $12,000.00Paid
Sundial Health Inc.
INV-2026-0135
Get paid on time
One link customers can pay by bank or stablecoin. AI matches every payment to its invoice.
See invoicingBills
Example- €1,284.00Needs review
Hetzner Online
R-2026-10-4412
- $540.00To pay
Figma
INV-88213
- €189.90Paid
Telekom Deutschland
7741 0093 2210
Stop retyping bills
Forward a bill. AI fills in the details and flags changed bank details or duplicates before you pay.
See bill payPay everyone in one go
Upload one CSV to pay many suppliers or contractors. Each row is checked like a single payment.
See bulk paymentsApprovals before money leaves
Viewers can't pay, and members' payments above a limit wait for an admin. Two-factor sign-in is on for everyone.
See team and approvals
Earn
Hold stablecoins. Earn up to 8% on your USDC.
Everything you receive is held as USDC or USDT, or as EURC for euros. USDC you move into Earn makes up to 8% a year, added to your balance every minute. Withdraw any time, instantly.
- Yield
- Up to 8% a year on USDC
- Earnings
- Every minute, in real time
- Withdrawals
- Instant, no lock-up
Yield is provided by Jupiter. Rates change over time and aren't guaranteed. Your balance isn't a bank deposit and isn't covered by deposit insurance.
Who it's for
Built for companies that move money across borders.
Importers and exporters
Collect from buyers on named accounts in four currencies, and pay suppliers by bank transfer, including SWIFT for USD, or in USDT.E-commerce
Get payouts from Stripe, Shopify and marketplaces into one balance, then pay suppliers and ad platforms from it.Payroll
Fund payroll from one balance and pay employees and contractors to their bank in USD, EUR, GBP or AED, or in USDC or USDT.Logistics
Pay carriers, ports and fuel suppliers abroad from one balance, by bank or in stablecoins.Telecom
Settle with carrier partners in several currencies through named accounts in your company's name.
Questions
Questions before you sign up
Do I need to use stablecoins?
No. Customers can pay you by bank transfer in USD, EUR, GBP or AED, and you can pay suppliers by bank transfer. Behind the scenes your balance is held as stablecoins (USDC and USDT for dollars, EURC for euros), but you don't need a crypto wallet or network tokens, and Align pays the network fee when you send USDC or USDT. If your customers or suppliers use stablecoins, you can receive and send them too.
How do I know my money is safe?
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 balance sits in a wallet of its own, separate from other customers' money and from Align's. 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.
How long does it take to open an account?
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.
Can my company open an account?
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.
What does it cost?
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.
How do my customers pay me?
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.
How do I pay suppliers abroad?
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.
Can I take my money out at any time?
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.
Open an account
Open your
stablecoin account.
Sign up with your work email and have your company documents ready, or talk to our team first.
Step 01
Open an account
Sign up with your work email.
Step 02
Verify your business
Upload your company documents. Our compliance team reviews them, usually in 1–5 business days.
Step 03
Start moving money
Get your account details and make your first payment.