Run your business on open money.
The business account layer built on self-custody rails. Get paid, pay out, and manage treasury across currencies and borders, in one place.
One account for everything the business needs money to do.
Across currencies, across borders, without giving up custody control.
Good morning, Amina.
Payday is covered for Friday, and everything else looks calm.
Add money
Fund your balance by bank transfer, stablecoin or local currency.
Recent activity
See all transactionsDeposit from XYZ
Today, 09:14
Payment to Halima Suppliers
Yesterday, 16:02
Converted USDC to naira
Monday, 11:38
Invoice paid by Tema Freight
8 August
Interactive Trade & Treasury Calculator
See instant cost savings, settlement velocity, and compounding treasury yields.
Cap Business Fee (0.1%)
$50
Recipient Receives
76,433,490 NGN
Traditional Bank (3.5% + $45 Wire)
$1,795
Bank Settlement Delay
3 - 5 Business Days
Estimated Savings On This Trade
$1,745
Engineered for global business scale.
From multi-currency collection to autonomous AI finance and self-custody treasury management.
Get Paid
Collect from customers and buyers anywhere, in the currency that suits them.
Invoicing
Create, send, and track professional invoices. Accept stablecoins (USDC/USDT) or global fiat.
Merchant checkout and payment links
Take payment online or in person with instant shareable checkout links—no integration required.
Multi-currency collection
Receive USD, EUR, GBP, NGN, GHS, and stablecoins seamlessly from international buyers.
Virtual IBANs
Dedicated named account numbers for receiving domestic and cross-border wire payments.
Tema Freight & Logistics Ltd
USDC Direct / Wire
$0.00 Hidden Fee
Corporate Capabilities
Engineered for global trade, treasury yield, and non-custodial operations.
Everything your business needs to manage cross-border capital, issue corporate debit cards, and automate mass payouts.
Virtual Accounts & IBANs
Local Banking in 100+ Countries
Issue dedicated USD, EUR, GBP, NGN, and GHS business accounts to receive payments with zero friction.
Cross-Border Trade FX
Sub-Minute Settlements & 0.1% Spreads
Settle import/export invoices and supplier trades between global fiat and stablecoins with zero hidden markups.
Corporate Treasury Yield
Non-Custodial Liquid Vaults
Put idle corporate operational reserves to work earning institutional staking & lending rewards with daily liquidity.
Crypto Corporate Cards
Custom Employee Spend Limits
Issue virtual and physical Visa cards with customizable spending caps, 0% FX fees, and automatic receipt sync.
Autonomous AI Operations
Nia Manages AP/AR & Runway
AI-driven reconciliation, invoice chasing, and counterparty risk evaluation that runs your back office 24/7.
Tailored For Modern Global Entities
Whether you are settling high-volume merchandise trade or managing a distributed web3 treasury, Cap for Business scales with your workflow.
Import/Export & Cross-Border Merchants
Eliminate 3-5 day banking delays and 4% FX markups on international trade contracts.
- Collect client payments via local virtual IBANs in Europe, North America, and Africa.
- Convert received funds to stablecoins (USDC/USDT) or home currency at transparent 0.1% spreads.
- Direct wallet-to-bank settlement: Cash out to local bank accounts in under 2 minutes.
- Eliminate FX volatility with instant fixed-rate invoice quotes for overseas buyers.
Save up to 85% on FX transfer fees
How Cap for Business Works
From seamless corporate onboarding to global trade execution and automated accounting reconciliation.
Streamlined Corporate KYB
Register your company entity in minutes with automated international KYB/KYC verification.
Issue Virtual IBANs & Vaults
Generate dedicated multi-currency accounts (USD, EUR, GBP, NGN, GHS) and configure multi-sig approval rules.
Trade, Settle Invoices & Earn Yield
Receive cross-border payments, execute high-volume FX trades, or deploy idle reserves into liquid vaults.
Instant Cash Out, Cards & Bulk Payouts
Direct settlement to local bank accounts in seconds, mass payroll execution, and team card management.
On Regulation & Sovereign Custody
Cap Wallet is a technology platform, not a bank. All regulated activity, including card issuing, currency conversion, and fiat settlement, is delivered through licensed partners. Business funds remain under the sovereign control of the business at all times through self-custodial cryptographic key rails.
Run your business on open money.
One account for everything the business needs money to do. Across currencies, across borders, without giving up control.
Cap Wallet Limited, registered in England & Wales (Company No. 17244772) • info@capwallet.app
Frequently Asked Questions
Everything you need to know about scaling your operations with Cap for Business.