Wirex powers payments, banking, and rewards across 100+ countries. $WPAY aligns every participant in the ecosystem.
Stablecoin adoption is accelerating. Fintech, crypto, and AI are converging. The result: a new generation of payment and banking products — powered by stablecoins, settling onchain, serving billions.
Three forces are colliding at once. Stablecoins have crossed $200B in circulation and are processing more annual volume than Visa. Fintech and crypto are no longer separate industries — Coinbase launched Base, Robinhood moved to Arbitrum, Kraken built Ink, Circle shipped Arc, Stripe acquired Bridge. AI agents are becoming economic actors that need financial rails to transact autonomously.
The legacy system fragments liquidity, restricts access by geography, and extracts value at every layer. Banks charge 2–4% FX markup. Card processors add intermediary fees. Savings accounts pay 0.5% while institutions earn 5%+. Cross-border payments take days.
The next trillion-dollar infrastructure companies won't build on top of banks. They'll build on top of stablecoins.
Wirex has spent 11 years building the infrastructure for this moment. Principal member of Visa and Mastercard. $20B+ processed. 7M+ users across 100+ countries. Chain-agnostic, stablecoin-native, and already onchain.
The question is no longer if finance goes onchain. It's who provides the infrastructure.
Three industries are collapsing into one. Wirex sits at the intersection — the infrastructure layer each needs.
Visa & Mastercard Principal Member. IBANs, cards, global payment rails. 11 years, 7M+ users, 100+ countries.
Chain-agnostic settlement on USDC/EURC. Already onchain — not retrofitting crypto onto a legacy core.
Autonomous agents need to hold value and transact. Wirex's programmable stablecoin infra is built for machine economics.
Wirex BaaS lets any app, wallet, or fintech embed a complete suite of regulated financial products through a single integration. Stablecoin settlement under the hood. Fiat UX on top.
IBANs powered by stablecoins. USD, EUR, GBP, MXN, BRL. 1:1 fiat-stablecoin auto-conversion.
White-label cards accepted at 80M+ merchants worldwide. Virtual and physical.
SEPA, SWIFT, FPS, ACH, PIX, Visa Direct. Push-to-card to 3B+ cards in 200+ countries.
Up to 6% APY via institutional-grade DeFi protocols. Fully liquid, no lock-ups.
50,000+ merchant offers. White-label cashback portal. Fully brandable.
Up to 60% off hotels. White-label travel portal for partners.
Wirex infrastructure is not tied to any single chain. As more chains launch — Coinbase's Base, Circle's Arc, Kraken's Ink, Stripe's Tempo — the market for Wirex grows. Every new chain is a new potential partner, not a competitor. Wirex is the infrastructure layer they all need.
Wirex is a Principal Member of both Visa and Mastercard — a rare issuer-level capability that no other crypto-native company in the world holds. This dual membership is the foundation of everything Wirex builds.
Most crypto card programs rely on intermediary banks as sponsors. This means higher costs, limited control, and a single point of failure. If the sponsor bank exits crypto — as many have — the entire card program collapses overnight.
Wirex operates differently. As a direct Principal Member of both schemes, Wirex issues cards under its own license, negotiates directly with Visa and Mastercard, and controls the full product experience from end to end.
Direct scheme access enables faster iteration, deeper customisation, and tighter stablecoin integration than any sponsor-bank model allows.
No sponsor bank or processor middlemen. Materially stronger unit economics and pricing power on every card transaction.
Zero exposure to sponsor-bank exits, policy shifts, or operational constraints. Wirex controls its own destiny.
Launch in new markets via self-affiliated entities without re-platforming. Issue prepaid, debit, and credit cards across retail and corporate use cases.
Wirex onchain infrastructure is built on the principle that users should truly own their assets. Not "held on your behalf." Not "custodied for you." Yours. Completely.
Assets live in wallets the user controls. The infrastructure cannot freeze, seize, or restrict access to funds. No counterparty risk. If the operator disappeared tomorrow, assets remain fully accessible onchain.
Built-in privacy layer shields transactions onchain. Financial data is not reported to third parties. In an era of increasing surveillance, the onchain infrastructure offers a structural privacy advantage over custodial platforms that must report under frameworks like DAC8.
No seed phrases. No key management. No browser extensions. The security architecture is invisible. The experience feels like any premium banking app — but underneath, you have full ownership.
11+ years of operations with zero security breaches. Multi-party computation and trusted execution environments ensure your keys are never exposed.
Wirex BaaS reached $1 billion in processed volume faster than any stablecoin infrastructure platform. 7M+ users. 100+ countries. $20B+ total transaction value since inception.
Wirex One is a next-generation banking app that combines private-bank perks, crypto depth, and neobank usability in a single product. No subscription fee. True asset ownership. Built on Circle Arc.
Wirex One runs on Circle Arc — a next-generation L1 blockchain purpose-built for payments. Sub-second finality. Built-in privacy layer. Fully onchain processing. Enterprise-grade infrastructure backed by BlackRock, Visa, Mastercard, and Goldman Sachs.
Paid in USD, instantly redeemable. Not in a volatile token. Boosted by $WPAY holdings.
Earn on stablecoins and crypto. Flexible or fixed terms. Institutional-grade DeFi, fully liquid.
Tokenised equities 24/7. Perpetual trading up to 5x. Fee-free crypto trading for WPAY holders.
Interbank FX at 0% markup. Free global ATM. Multi-currency accounts. No subscription.
Borrow against crypto and stocks. Instant approval, no credit check, tax-efficient.
True ownership via onchain wallets. No seed phrases, no key management. Web2 UX, Web3 architecture.
Bank. Spend. Earn. All in stablecoins. One platform where banking, cards, payments, and yield converge for global businesses.
Zero-FX corporate Visa cards at 80M+ merchants. Save 2–4% on every international transaction.
10–20x typical bank savings. Fully liquid 24/7. No lock-ups. Institutional-grade DeFi yield.
SWIFT, SEPA, FPS, ACH, push-to-card via Visa Direct. Instant settlement, 24/7 liquidity.
$WPAY is the native utility token of the Wirex ecosystem. It exists to solve a specific problem: aligning the incentives of users, partners, and the platform.
Subscription-based models (Revolut Ultra at ~$540/yr) create a barrier. Locked staking models (Crypto.com requiring $500K CRO for 12 months) create capital risk. Token-payout models (cashback paid in volatile tokens like CRO, down 92%) destroy value.
$WPAY takes a different approach. Hold WPAY as a percentage of your Wirex portfolio. Your tier and benefits scale with your holding. No subscription. No lock-up. No volatile cashback. Just a simple, proportional stake in the ecosystem.
$0 fee. Benefits scale with $WPAY holding as a % of portfolio. Keep your tokens. Sell anytime.
No 6–12 month lock-up. Your WPAY is always liquid. Benefits adjust dynamically.
Cashback paid in USD, not tokens. WPAY determines your earning rate and cap — it's the key, not the reward.
$WPAY is the lightest-touch token model in the industry. Percentage-of-portfolio, not absolute staking. It scales with your wealth, reduces perceived risk, and aligns incentives between user and platform.
Wirex One membership has five tiers. Your tier is determined by the share of $WPAY in your portfolio — the more you hold, the more you unlock. No subscription fee. No lock-up. Benefits adjust automatically.
| Perk | Base | Premium | Elite | Private | Bespoke |
|---|---|---|---|---|---|
| Requirements | |||||
| Min balance | None | ≥ $500 | ≥ $2,500 | ≥ $25,000 | ≥ $50,000 |
| WPAY % | 0% | ≥ 1% | ≥ 3% | ≥ 5% | ≥ 10% |
| Key benefits | |||||
| Cashback in USD | 0.5% | 1% | 3% | 5% | 8% |
| Subscriptions 50% rebate |
— | ||||
| Card | Virtual | Plastic | Plastic | Metal | Metal |
| Fee-free trading | $500/mo | $2,500/mo | $10,000/mo | $50,000/mo | Unlimited |
| Yield boost (stablecoin) | — | +0.5% | +1.0% | +2.0% | +3.0% |
| Yield boost (crypto) | — | +0.25% | +0.5% | +1.0% | +1.5% |
| Travel, lifestyle & perks | |||||
| ATM allowance | $100/mo | $250/mo | $750/mo | $2,500/mo | Unlimited |
| Lounge access | — | — | — | Yes | Yes |
| Air Refunds | — | Yes | Yes | Yes | Yes |
| Luxury Hotels | — | Yes | Yes | Yes | Yes |
| Hertz discounts | — | Yes | Yes | Yes | Yes |
| Wirex Travel | — | Yes | Yes | Yes | Yes |
| Merchant offers | — | Yes | Yes | Yes | Yes |
| Support | |||||
| Support level | Standard | Priority | Priority | Account Manager | White-Glove |
Tier requires both minimum balance and WPAY % threshold. Swipe table horizontally on mobile to see all tiers.
Pay with your Wirex One card. Get 50% back in USD at the end of the month. More subscriptions unlock as your tier grows.
Pay the full subscription from your Wirex One balance. 50% is refunded in USD at the end of the month. Rebate capped at the standard plan price for each service.
Cashback, subscription rebates, and other rewards accumulate in a single rewards balance. The more $WPAY you hold, the more you can redeem every month. One formula governs everything — and it grows with your portfolio.
Wirex is no longer just a payments company. It's becoming the infrastructure layer for onchain finance — where apps launch, capital flows, and $WPAY powers it all.
Wirex's stablecoin onchain infrastructure is the foundational layer. On top of it: our own flagship products and hundreds of partner applications.
10x today's volume. Path driven by BaaS partner distribution — co-branded issuing across fintechs, wallets, and AI-agent applications — plus Wirex One and Wirex Business direct growth.
Full launch of the stablecoin neobank on Circle Arc. True ownership, privacy by design, 8% USD cashback. The product the market has been waiting for.
Wirex One will run on Circle Arc — next-gen L1 purpose-built for payments. Wirex BaaS will also be available natively on Stripe Tempo, giving partners two first-class settlement chains from day one.
AI agents need financial rails. They need to hold value, make payments, and transact autonomously. Wirex's programmable stablecoin infrastructure is built for this.
The more chains that exist, the larger Wirex's market becomes. We are chain-agnostic, already onchain, and ready to scale. Every new chain is a new customer, not a competitor.
Permissionless. Stablecoin-native. Built to last.