FINTRAC licensed · Live in 180+ countries

Bank without borders.
Built on stablecoins.

A neo-bank for the borderless generation. One account for fiat, crypto and stablecoins — send anywhere in seconds, spend everywhere with a Visa card.

For individuals For business

No monthly fees 3-min onboarding 80M+ merchants

sent in 2.1s

5,000 USDT → London

kyc passed

verified · 2m 14s

app.artha.money/dashboard

welcome back

Good morning, Maya

Search transactions, IBANs…

total balance · all accounts

$24,850.32

+$412.55 (+1.69%) today

Send Receive Swap

balances by currencyview all →

Tether USD

stablecoin · ethereum

8,420.10

≈ $8,421

USD Coin

stablecoin · polygon

3,180.00

≈ $3,180

Bitcoin

crypto · self-custody

0.184

≈ $12,589

US Dollar

fiat · IBAN ····4218

$2,400.22

—

€

Euro

fiat · IBAN ····9032

€1,840.00

≈ $1,983

portfolio · 7d+8.4%

monwedfrisun

live marketsall →

BTC/USD68,420.10+2.41%

ETH/USD3,524.80+1.92%

SOL/USD182.40+3.61%

EUR/USD1.0784−0.18%

Choose your path

Two products. One bank.
Pick the one that fits.

Whether you're a digital nomad collecting stablecoin invoices or a multi-entity business managing global treasury — Artha is the same primitive at every scale.

personal

For individuals

Money that travels with you.

Hold 30+ currencies and 50+ crypto assets. Spend stablecoins anywhere with a Visa card. Get paid in any rail — fiat, USDT, USDC.

Personal multi-currency account with dedicated IBANs
Stablecoin Visa Platinum card — physical & virtual
Get paid in USD, EUR, GBP, USDT, USDC — your choice
Buy & sell BTC, ETH, USDT at real interbank rates

business api

For business

Treasury for the borderless economy.

For Web3 startups, e-commerce, trading firms, multinationals — the financial infrastructure to operate worldwide without friction.

Corporate IBANs in 30+ currencies, multi-user access
Stablecoin B2B invoicing — settle in fiat or USDC
Issue team cards with real-time spend controls
REST API for batch payouts, payroll, reconciliation

180⁺

Countries supported

30⁺

Fiat currencies · IBANs

<3^min

Account verification

80M⁺

Merchants worldwide

Visa Platinum

Spend stablecoins
anywhere on Earth.

USDT, USDC, BTC, ETH or fiat — auto-converted at checkout at real interbank rates. 0% FX markup. 80M+ merchants worldwide.

Virtual card in 60 seconds, physical worldwide
Apple Pay & Google Pay ready
Live freeze, limits, receipts in-app

Explore the card Compare tiers

Onboarding

Open in 3 minutes.
From your phone.

No branch visit, no paperwork, no waiting. Just selfie, ID, done.

step 01

Sign up & verify

Create your account online or in the app. AI-powered KYC/KYB via Sumsub — most accounts pass in 3 minutes.

step 02

Fund your account

Top up via SWIFT, SEPA, Faster Payments, local rails — or transfer crypto. Multi-currency balances are instantly available.

step 03

Send, spend, grow

Use your Visa card globally. Send stablecoins instantly. Convert 30+ fiat & 50+ crypto pairs at real rates.

Security & compliance

Bank-grade. Crypto-native.
Boring, on purpose.

Regulated where it matters. Paranoid everywhere else.

MPC institutional custody

Multi-Party Computation via Dfns — the same infrastructure trusted by 1,500+ regulated institutions.

Real-time AML / CFT

AI-powered AML screening (AMLBot) and blockchain analytics on every transaction.

Global sanctions screening

Real-time checks against OFAC, UN, EU, FATF and OSFI lists at onboarding and at every payment.

KYC & KYB verification

Identity checks via Sumsub. Most personal accounts verify in under 3 minutes.

End-to-end encryption

AES-256 at rest, TLS 1.3 in transit. MFA and role-based access control on every function.

Zero-trust infra

Microsoft Azure with WAF, DDoS protection, OWASP-compliant code, continuous penetration testing.

Compliance FINTRACPCMLTFAFATF Travel Rule PCI DSS L1AML / CFTSOC 2ISO 27001

FAQ

Questions, answered.

Still curious? Talk to us — we read every message.

Yes. Artha Money is operated by ArthaFi Finance Inc., a registered Money Services Business (MSB) licensed by FINTRAC under PCMLTFA.

180+ countries. We do not onboard customers from FATF-blacklisted, OFAC-sanctioned, or UN-sanctioned jurisdictions.

30+ fiat currencies and 50+ digital assets including USDT, USDC, BTC, ETH, SOL, XRP, ADA — with new pairs added based on liquidity and regulatory clearance.

Your Artha Visa Platinum card is linked to your stablecoin or fiat wallet. When you tap or swipe, funds convert to the merchant's local currency at real-time rates.

Most personal accounts are verified within 3–5 minutes. Business accounts complete within 1–3 business days.

No monthly fees, no FX markups. Stablecoin transfers cost network gas (typically under $0.01). Card spending uses real interbank rates with 0% FX markup.

Money without
a passport.

Open your account in 3 minutes. Personal & business plans available.