Secure escrow
Both crypto and fiat lock before settlement
dbpay
Money in motion.Instantly.
Multi-currency home banking with instant contact payments, transparent FX, and institutional-grade controls.
Client Zone
Good morning
LIVE preview
Total balance
$148,240.18
+2.4% this week
USD
62,410.00
US12 •••• 8841
EUR
41,220.55
DE44 •••• 0193
AED
88,900.00
AE07 •••• 0456
BTC
0.8421
Fireblocks vault
Send to @sara
Instant · $250.00
EUR → USD exchange
Quote locked · 0.35%
Invoice #1048 paid
Merchant desk · AED 4,200
P2P escrow open
15 min TTL · USDC
Accounts
Send
Exchange
Get paid
Platform
Everything your money needs — in one operating layer
DB PAY is not a thin skin over a single BaaS. It is provider-neutral home banking for clients and one control plane for ops.
Multicurrency accounts
Named IBANs and crypto wallets in one Client Zone — balances, holds, and fee previews before you confirm.
Send & get paid instantly
Pay contacts by username, share pay links, scan QR, and keep Revolut-style payment chats on every transfer.
Exchange everywhere
Retail FX, crypto corridors, OTC desk RFQs, and a custodial P2P marketplace with escrow and AML gates.
Trust & compliance
MFA, step-up auth, KYC/KYB, maker-checker approvals, double-entry ledger, and FINTRAC-ready reporting.
Home banking
Fiat and crypto that live side by side
Hold AED, USD, EUR and major digital assets with transparent fees, beneficiary management, and enterprise custody rails.
- SEPA, SWIFT, Faster Payments & more
- Managed crypto custody
- Fee schedules before confirmation
Balances
USD IBAN$62,410.00
EUR IBAN€41,220.55
BTC vault0.8421 BTC
USDC12,400.00
Instant rails
Money that moves like messaging
Send to a handle, open a public pay link, collect with QR, and talk about every payment in-thread.
- @username transfers
- Public /pay links
- Payment chats & referrals
Pay link
dbpay.io/pay/alex
AmountAED 1,500.00
Chat thread“Coffee + invoice”
Pay instantly
Business
Invoice. Pay by link. Auto-convert to USDC.
Merchant desks create invoices, share a public pay link, and optionally settle cleared fiat straight into crypto — without a manual exchange step.
- Create & issue bank-transfer invoices from Client Zone
- Collect via tokenized /pay/invoice links
- Auto fiat → USDC when payment reconciles
- Or keep the invoice currency in your fiat balance
Merchant desk
Invoice → pay link → USDC
01
Create invoice
Amount, currency, payer, and settlement mode — keep fiat or auto-convert to USDC.
02
Share pay link
Issue a public tokenized link. Your client pays by bank transfer with a structured INV reference.
03
Auto-settle to crypto
When fiat clears, DB PAY reconciles and can convert automatically into your USDC wallet.
Issued invoice
INV-1048
€4,200.00
SettlementAUTO → USDC
Public pay link
/pay/invoice/8f3a…c21
Payer bank transferCleared
FX + conversion fee0.30%
Credited wallet4,187.40 USDC
P2P Exchange
Buy & sell crypto peer to peer
Escrow-protected trades with verified merchants, competitive offers, trade chat, and instant internal settlement — the benefits you expect from top P2P platforms.
Verified merchants
Only approved counterparties list ads
Instant settle
Internal ledger — no external bank proof
Dispute desk
Chat support + ops force-settle path
BuySell
USDCEURAED
AlNoor Desk
1,240 orders · 99.8% completion · 15 min
$0.998
Available 42,500 USDC
Limit 100 – 10,000 EUR
DB PAY wallet
Gulf Liquidity
860 orders · 100% completion · 15 min
$0.997
Available 18,200 USDC
Limit 250 – 25,000 AED
Internal ledger
NorthBridge
512 orders · 99.4% completion · 15 min
$1.001
Available 9,800 USDT
Limit 50 – 5,000 USD
DB PAY wallet
Ecosystem
DB PAY × DB Investing
Link accounts and move fiat and crypto 24/7 with live quotes and clear fees. Separate entities. One money motion.
Instant transfers
Move funds between platforms around the clock
On / off ramp
Fund trading via IBANs or approved crypto
Role-based control
Maker-checker, limits, and whitelists for business
Regulation
FINTRAC-registered. Partner-powered. Transparent by design.
DB PAY LTD is registered in British Columbia, Canada (No. BC1354413) as an MSB (M22286159). Not a bank. Not CDIC-insured. Fees shown before you confirm.
Availability depends on jurisdiction, KYC/AML checks, and partner requirements. Digital assets are high risk and can lose all value. DB PAY and DB Investing operate under separate entities and licenses.
Ready to move money differently?
Open a DB PAY account for multi-currency balances, instant payments, and transparent fees — with institutional-grade controls.