Top up, spend,
Fund with stablecoins, or add fiat to your multi-currency account. Withdraw whenever you need — one place for money in and money out.
Pay online or in store with physical and virtual cards — with Apple Pay and Google Pay.
Unused balances shouldn't just sit there. Options for putting idle funds to work are in preparation.
Money management itself, gradually automated. A hands-off experience is in development.
Not a crypto card company — a money hub.
Pay3 is a fintech company,
not a bank.
Financial services are provided by licensed partner providers. On top of them, Pay3 builds an experience that lives in a single account.
One KYC
Verify your identity once in the app. The same verification carries across card, account, and swaps. Depending on the partner provider and your region, an additional document such as proof of address may be requested.
Pay3 Ltd
Incorporated in Hong Kong in 2024. From Asia to the world.
Frequently asked questions
Financial services such as card issuing, accounts, and currency exchange are provided through partner providers licensed in their respective fields. Identity verification (KYC) follows internationally recognized procedures, and you complete it once in the app; a partner provider may request an additional document, such as proof of address, depending on your region.
No. Pay3 is a fintech company, not a bank or a deposit-taking institution. Pay3 provides the app and the experience layer, while the financial services themselves are provided by licensed partner providers.
Card spend is from $0.15 per transaction and currency conversion from 1.15%. Adding funds is free, and card issuance starts at $5. Physical cards are delivered in 3–5 business days. Note: fees vary by card type, currency, and where the transaction takes place — see the current fee schedule in the app.