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MoonPay Enterprise connects local payment rails to stablecoins through named Virtual Accounts, with collections, payouts, wallets, and swaps.

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Virtual Accounts

Create named accounts for each customer with third-party payments enabled. Incoming fiat converts automatically to stablecoins; stablecoins convert to fiat and settle to a bank account. Customers can access local payment rails without local incorporation.

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Rails and coverage

Coverage snapshot: September 2026. October 2026 launches are planned. See payment methods for rail-specific processing windows and country coverage for customer eligibility.

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Multi-bank redundancy

Lead, Erebor, LHV, and Banking Circle. If one bank cannot support a customer, payments route through another without a second integration.

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Global regulatory coverage

  • 47 US state MTLs
  • NYDFS BitLicense
  • MiCA CASP
  • Dutch EMI
  • FCA
  • Central Bank of Ireland
  • AUSTRAC
  • FINTRAC
See MoonPay licenses for details.

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Three onboarding models

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Customer-specific limits

Limits reflect declared income and wealth and can be reviewed before a payment is blocked. No platform-level cap applies to businesses. See limits and minimums.

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API-first platform

Embed onboarding, documents, and banking rails in your product through one API. The platform supports white-label integrations so customers never leave your product.

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Other services

Available through the same MoonPay Enterprise relationship.
Wallets use a separate SDK and credentials.

Payouts

Convert stablecoins to fiat and pay any registered bank account. Set an exact amount or enable continuous sweeps.

Your own stablecoin

Launch with MoonPay as US issuer of record, or issue offshore using PYUSDx. Retain brand, economics, and rewards. $100 million+ issued.

Wallets

Embed self-custodial wallets across Ethereum, EVM networks, Solana, and Tron. No seed phrases or custody infrastructure.

Swaps

Move between stablecoins and across chains at a locked or prevailing market rate.

Transaction visibility

Track each transaction through the API and signed webhooks, from funds review and conversion through payout, completion, or rejection.

Configurable fees

Set transaction, banking, and partner fees by customer, currency pair, or payment rail. Pass fees on, absorb them, or settle through monthly invoicing.

Developer infrastructure

Versioned APIs, idempotent requests, signed webhooks with automatic retries, delivery logs, and a full Sandbox.

Instant or daily settlement

Pay out per transaction, or consolidate high volumes into one daily transfer with the banking fee charged once per batch. Set per route.

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Stablecoins and blockchains

11 chains. 15 stablecoins. Ethereum, Solana, Base, Arbitrum, Polygon, Tron, Avalanche, Stellar, and more. USDC, USDT, EURC, PYUSD, and others. See stablecoins and blockchains for the full list of supported assets and networks.

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Get started

Create a Virtual Account

Set up a named account that converts incoming fiat into stablecoins.

Get API access

Create your API keys and start integrating in the Sandbox.