Cards, a self-custody wallet app and everyday payments that let you hold crypto and spend it in local currency, managed from one app.Cards, a self-custody wallet app andeveryday paymentsthat let youhold cryptoand spend itin local currency, managed from one app.
(02) Everyday payments
Coverage differs from service to service. A number in one row says nothing about the others.
Visaor Mastercard8,500+brandsUSDCon StellarPROELITEULTRATITANmetal cardsUSDEUR or GBP21,000billers in the US5-15minutes, by email140+countries, cash-out
What each service covers
Metal cardsAccepted in 180+ countries
Requested through our concierge, activated in the app
Four solid metal cards, PRO, ELITE, ULTRA and TITAN, with monthly limits from €25,000 to €3,000,000. You request them through our concierge.
Choose from over 8,500 brands and pay with crypto. The code arrives by email, typically within 5 to 15 minutes subject to on-chain confirmations. Gift cards are non-refundable.
USDC to cash (MoneyGram)Cash-out in 140+ countries
Cash-in and cash-out in 40+ countries
Turn USDC into local cash, or cash into USDC, at participating MoneyGram locations, from inside the Borderless Banking app. Cash-out works in over 140 countries. Cash-in and cash-out together work in over 40.
Pay utilities, credit cards, loans and even mortgages in 10 countries with Bitcoin, Ethereum and 100+ other cryptocurrencies. The biller receives local currency.
Countries
10
US billers
Over 21,000
Paid within
48 hours
Pay with
100+ cryptocurrencies
Countries and billers
Bill pay covers these 10 countries. Biller counts and names as published in September 2026.
Maxis Postpaid, Tenaga Nasional Berhad, Digi Prepaid Broadband
Asia
(06)50+billers
Egypt
Fawry, WE, Orange, Egypt Air, Air Cairo
Africa
(07)32billers
Costa Rica
Credix, CNFL, ICE, JASEC
Americas
(08)30+billers
Pakistan
K-Electric, SNGPL, KWSB, Jazz Mobilink
Asia
(09)9billers
Guatemala
DEOCSA, EEGSA, Tigo Star
Americas
(10)3billers
Honduras
Cable Color, CrediLee / Ladylee, EEH / ENEE
Americas
The web bill pay currently opens with US billers (checked on 29 September 2026). Bill pay is also in the app. If you cannot find your country or biller, contact support.
Bill pay countries: the US, Mexico, Costa Rica, Honduras, Guatemala, Egypt, India, Pakistan, the Philippines and Malaysia.
How bill pay works
(01)
Find the company
Search for the biller by name. If several look alike, check with the payee which one is right.
(02)
Enter the billing details
Fill in the account or reference details from your bill.
(03)
Choose the crypto
Pick Bitcoin, Ethereum or one of 100+ other cryptocurrencies.
(04)
Pay from any wallet
Pay from the Borderless Banking wallet or from any other wallet or exchange.
(05)
Let it settle
Borderless Banking pays the bill in local currency within 48 hours.
Pay your next bill with crypto
Search for your biller, choose the crypto and pay.
Turn USDC into cash at participating MoneyGram locations, or pay in cash to receive USDC, straight from the Borderless Banking app, without a bank account or card.
USDCcash/
Cash-out
140+ countries
Cash-in and cash-out
40+ countries
Network
USDC on Stellar
You need
No bank account or card
Fees and limits
The same fees apply to cash-out (USDC to cash) and cash-in (cash to USDC).
Fee
$14
$4 plus 2% of the total
Within the published limitAbove the published limit: Maximum $2,500 per transaction
Fee, $1 to $99$3
Fee, $100 to $999$4 plus 2% of the total
Fee, $1,000 or more$15 plus 1% of the total
Cash-in limitMaximum $950 per transaction
Cash-out limitMaximum $2,500 per transaction
Foreign exchange fees may come on top, depending on the currency, market conditions and location. Limits can vary by region, currency, how often you use the service and other factors. Figures as published in September 2026.
Calculated from the published schedule. Foreign exchange fees are not included.
The Borderless Banking app is a self-custody wallet. Your assets stay under your control, with no custodian in between. You can create, import or monitor DeFi wallets and manage your cards in the same app.
The Security Card is a cold storage card. It turns the Borderless Banking app into a hardware wallet and keeps your assets offline until you are ready to transact.
It is a separate product from the payment cards and connects to your phone by NFC, with no cables.
There is no order page for the Security Card yet. To ask about availability, contact support.
(01)NFC connection, no cables
(02)Support for over 24,000 cryptocurrencies
(03)Three-factor authentication (3FA) and biometrics
No. Borderless Banking is a technology platform. Its Terms say: "We are not a bank and do not directly hold funds." Cards are issued through partner institutions, and card issuance, approval and compliance depend on the issuing institution.
Which identity checks do I need?
It depends on the product. According to the help centre, some virtual cards need no KYC or only a light check, while physical cards always need full KYC, including proof of address.
Full KYC asks for a government-issued photo ID, a selfie and a proof of address no older than three months. The help centre gives 1-3 business days as the average for a full check.
What does it cost?
The app is free to download. Card fees depend on the card programme. The metal cards have their own fee schedule. For other cards, the public Terms list $0.50 per card transaction and 2.75% on non-USD transactions, without naming the programme. For current conditions, write to support@bbanking.capital.
Is the Security Card my payment card?
No. The Security Card is a cold storage card for keeping assets offline, and it uses NFC. The payment cards are the metal and virtual cards.
