No-Custodian Payments
Your future
is stable.
Stablecoin payments, built from the ground up. Money moves straight from one wallet to another in seconds, always stays yours, and costs a fraction of what cards and banks charge — for merchants and consumers, everywhere.
- merchant network fee
- 0.5%
- merchant network fee
- chains supported
- 17
- chains supported
- stablecoins
- 20+
- stablecoins
- currencies
- 150+
- currencies
- instant settlement
- 24/7/365
- instant settlement
What is No-Custodian Payments?
A bank controls your money.
We don't.
No-Custodian Payments feels like a bank and does everything a bank does — payments, transfers, cards, accounts — except your money stays where it belongs, with you. We only provide the technology; you keep the only key.
Not a bank: nothing held, nothing frozen, nothing lent out — and everything still works.
Money you control
Your funds live in a self-custodial account — not on a bank's balance sheet. No one can access them but you. Not even Safewire. If Safewire disappeared tomorrow, your funds would stay yours.
Money moves in real time
Our account-to-account transfers settle instantly — every time, at low cost, locally and across borders, around the clock, every day of the year.
One standard for the whole network
Every participant is verified — people and businesses alike — with network-wide usage limits modeled on Canadian federal financial-crime standards. A payments network is only worth joining when everyone on it is real.
Read the regulatory frameworkOne stablecoin-native platform
Spend it. Send it. Get paid.
Works without a card or bank account. Card top-ups are provided by Unlimit, a licensed payment institution — and from there, your money moves wallet-to-wallet. Your Safewire card spends wherever stablecoins aren't accepted yet.
Pay Online
Use your wallet to pay in stablecoins at online checkouts worldwide. No card details to hand over, no fees, instant settlement.
Pay in Person
Use your wallet to pay in stablecoins at merchant counters worldwide. No fees, no commissions, instant settlement.
Wages & Invoices
Receive or pay wages, invoices, and money sent home — in real time, at a fraction of what banks charge.
More Than a Wallet
Accounts, cards, and money in and out — everything you'd expect your money to do, without the hassle or anyone else controlling it.
Security by architecture
Merchant treasuries on Safewire are digital vaults.
Each one is a Safe{Core}™ smart-contract vault — the industry-standard vault protocol securing over $100 billion in digital assets worldwide — owned outright by the merchant.
A vault, not a bank IOU
Signing up doesn't open an account with Safewire — merchants create their own Safe{Core}™ multi-signature vault on the blockchain. Just like consumer wallets, only they hold the keys.
Multi-signature control
Each merchant sets the number of signatures their vault requires. No single person, phone, or laptop can access or drain it — so the money behind your ticket, order, or booking can't vanish.
Independently audited
Safe{Core}™ contracts are audited by G0 Group, Runtime Verification, and Ackee, and covered by an Immunefi bug-bounty program.
No borders, one system
The same wallet and the same terminal work in a rural village or a capital city, with no intermediaries in between. Free for consumers, next to nothing for merchants, settlement in seconds.
Our commitment
Available to everyone
everywhere
Never a spread
never a cut of an exchange
No transaction fees
for customers
0.5% network fee
for merchants
No fixed monthly charges or minimum fees. No hidden fees. A single network fee for use of the infrastructure — never a spread, never a cut of an exchange. Free to sign up, free to activate.
Worldwide by design
Interoperable with blockchain and banking systems alike.
Stablecoins, digital assets, currencies, and cards — one self-custodial platform, connected to traditional finance through regulated partners.
100+
payment methods
200+
local payment routes
50+
fiat currencies via partners
17
EVM & non-EVM chains
Free to sign up · free to activate
Built for your future.
Five years of designing, testing, and building — a stablecoin-native platform that's ready for merchants and consumers today. Most stablecoin products still run on the same card and banking systems. Safewire doesn't.