Multi-currency IBANs
Receive, hold, and send across supported local and international rails.
Features
The full banking operating layer
From personal wallets to OTC desks and FINTRAC reporting — every surface of DB PAY, explained.
accounts
Accounts & wallets
One Client Zone for fiat IBANs and managed crypto vaults.
Crypto custody
Managed vaults and addresses with masked reveal and enterprise security partners.
Transparent ledgers
Double-entry journals, holds, fee snapshots, and balance clarity.
payments
Send & get paid
Instant social payments with institutional payment quality.
Send to contact
Pay by username or handle — no IBAN ceremony for everyday transfers.
Pay links & QR
Public pay pages and profile QR codes so anyone can fund you fast.
Payment chats
Conversations attached to transfers — notes, context, and history together.
exchange
Exchange, OTC & P2P
Convert fiat and crypto with desk-grade and peer marketplace corridors.
Retail FX & crypto
Quotes with markup, fixed fee, TTL, and corridor settlement you can preview.
Crypto OTC desk
Manual RFQs for major assets — price, accept, and settle via the desk.
P2P marketplace
Escrow-backed peer trades with verified merchants, chat, timers, and dispute resolution.
P2P protections
Dual-leg escrow, 15-min TTL, AML gates, compliance holds, and ops force-settle.
Merchant ads
Approved merchants publish BUY/SELL ads with pre-funded inventory from their wallets.
Instant ledger settle
No external bank proof — balances transfer between DB PAY wallets on completion.
Full benefits list on the P2P Exchange page.
business
Business & merchant tools
Invoice, collect by link, auto-settle to USDC — plus ops controls for growing teams.
Invoice creation
Issue bank-transfer invoices with amount, currency, payer, and INV structured reference.
Pay by link
Share a public /pay/invoice token so clients can pay without accessing your account.
Auto fiat → USDC
On cleared receipt, optionally convert and credit your USDC wallet with ledgered fees.
DB Investing bridge
Connect trading accounts and fund them through banking rails.
AI assistant (BYOK)
Read-only advice with your own keys — it never moves money.
Security & compliance
MFA, maker-checker, KYC/KYB, audit trail, and FINTRAC-ready controls.
Full merchant walkthrough on the Business page.
See it in the Client Zone
Open an account to experience balances, pay links, exchange, and approvals in one login.