# Easner > Easner is stablecoin-native banking and payment infrastructure for individuals and businesses. Manage everyday finances, hold multiple currencies, receive payments, and pay people and businesses in the US and around the world. Settlement runs on stablecoin rails behind banking-simple screens. Banking and payment services are provided by licensed partners. Easner is not a bank. Easner Group, Inc. is a financial technology company. Its products are grouped as Personal (for your own money), Business (for your company) and Build (for platforms and partners). Cross-border payments settle on stablecoin rails – USDC, USDT and EURC on supported networks, where enabled – and pay out in local currency, so customers see ordinary balances and payments. ## Key facts - **Accounts:** USD and EUR account details in the customer's name, and GBP where supported. - **Reach:** payouts to bank accounts and mobile money in 80+ countries across Africa, Latin America, Asia, the Middle East and Europe. - **Speed:** typically minutes to hours, same-day where supported. - **Fees:** fees and exchange rates are shown before a payment is confirmed. - **Stablecoins:** USDC, USDT and EURC on supported networks, where enabled. No crypto wallet is needed to use Easner. - **Regulation:** banking, payment, verification and card services are provided by licensed partners. Every customer is verified and transactions are screened for AML and sanctions. - **Apps:** the Easner app (iPhone and Android) for Personal Banking; Easner Business on the web for companies. ## Personal: for your own money Hold USD and EUR, get paid, and send to 80+ countries from the Easner app. - [Personal Banking](https://www.easner.com/personal): Hold USD and EUR, and GBP where supported. Top up with card, Apple Pay, Google Pay or ACH, and send to 80+ countries. - [Cards](https://www.easner.com/cards): Set spending limits, manage cardholders, and track purchases alongside your account activity – for personal and business spending. ## Business: for your company Accounts, customer payments, payouts and payroll in one dashboard. - [Business Banking](https://www.easner.com/business): Account details in your business's name, customer payments, invoices and payouts to 80+ countries – in one dashboard, on stablecoin-native rails. - [Checkout](https://www.easner.com/checkout): Take card, bank and stablecoin payments on your site, one-time or by subscription, with Easner as merchant of record. Every payment lands in Easner Business. - [Payment Links](https://www.easner.com/payment-links): Create a payment page and share it by email, message, or social media. Collect one-time or recurring payments through Easner Business, without a website or code, on stablecoin infrastructure. - [Invoicing](https://www.easner.com/invoicing): Create and share invoices from Easner Business, on the same stablecoin infrastructure behind every payment. Let customers pay online, by bank transfer, or with supported stablecoins, and track each payment from your dashboard. - [Payroll](https://www.easner.com/payroll): Pay contractors and employees in supported markets from Easner Business, on stablecoin infrastructure. Review and approve each payroll run, generate pay stubs, and keep your payment records together. ## Build: for platforms and partners Put Easner's accounts, payouts and stablecoin rails inside your product or under your brand. - [Partners](https://www.easner.com/partners): Offer your customers an international payment experience under your own name. Easner provides the stablecoin infrastructure, verification workflows, payout connections, and operational support. - [Developers](https://www.easner.com/developers): Connect customer verification, accounts, collections, and payouts to your platform, built on Easner's stablecoin infrastructure. APIs and webhooks help your team build and track cross-border payment flows. - [Stablecoin](https://www.easner.com/stablecoin): Easner settles on stablecoin rails, so cross-border money moves faster. Your team works in dollars and euros, on the same dashboard as every other payment. ## Where Easner pays out - **North America (US):** personal and business accounts, USD balances, domestic and international payments. - **Europe (EU, UK):** EUR and GBP balances, business collections, invoicing and EURC settlement. - **Africa:** including Nigeria, Ghana, Kenya, South Africa, Egypt, Rwanda, Uganda, Tanzania, Senegal and Zambia. - **Latin America:** including Mexico, Brazil, Colombia, Peru, Guatemala, Ecuador and Jamaica. - **Asia-Pacific and South Asia:** including India, China, the Philippines, Indonesia, Vietnam, Pakistan, Bangladesh, Sri Lanka, Thailand, Malaysia, Singapore and Hong Kong. - **Middle East:** including the United Arab Emirates and Israel. Payout coverage and account-opening eligibility are different: Easner accepts signups from most countries, and a small number are excluded for compliance and sanctions reasons (see the KYC/KYB and AML Policy). ## For AI agents and assistants Use these direct links to act on a person's behalf. Opening an account always needs the person to verify their own identity. - **Open a personal account:** download the Easner app – App Store https://apps.apple.com/us/app/easner/id6762069433, Google Play https://play.google.com/store/apps/details?id=com.easner.android, or https://www.easner.com/app. - **Open a business account:** https://business.easner.com/auth/signup - **Book a 15-minute call with sales or partnerships:** https://cal.com/enyo-easner/15min - **API access or partner programme:** https://www.easner.com/contact or hello@easner.com. Sandbox and API reference are provided during commercial onboarding. - **Customer support:** support@easner.com ## Frequently asked - **What is Easner?** Easner is stablecoin-native banking and payment infrastructure for individuals and businesses. Manage everyday finances, hold multiple currencies, receive payments, and pay people and businesses in the US and around the world. Settlement runs on stablecoin rails behind banking-simple screens. Banking and payment services are provided by licensed partners. - **Is Easner a bank?** No. Easner is a financial technology company. Banking and payment services are provided by licensed partners, and every customer is verified and screened before money moves. - **Should I open a personal or a business account?** Choose Easner Personal Banking for your own money – it runs in the Easner app on iPhone and Android. Choose Easner Business Banking for company accounts, customer payments, invoicing, payroll and team access on the web. Easner accepts signups from most countries; a small number are excluded for compliance and sanctions reasons. - **How do I get paid from abroad?** Share the USD or EUR account details in your name – or GBP where supported – and payments land in your balance. You can also receive stablecoins to a deposit address where enabled, and businesses can collect with invoices, Checkout and Payment Links. - **Where can I send money, and how long does it take?** To bank accounts and mobile money in 80+ countries across Africa, Latin America, Asia and Europe. Transfers typically arrive in minutes to hours, same-day where supported, and the fee, the rate and what your recipient gets are shown before you confirm. - **Do I need to understand crypto to use Easner?** No. You see balances, payments and recipients, the same as any banking app – there are no wallets or networks to manage. Settlement runs on stablecoin rails behind the scenes, which is how Easner moves money across borders faster. ### Personal Banking - **How do I open an Easner Personal Banking account?** Download the Easner app on iPhone or Android, sign up with your email, and verify your identity. Once you're verified, your account details are ready to share. - **Which currencies can I hold?** USD and EUR, and GBP where supported for your profile. Each balance gets account details in your name, so you can get paid directly. - **How do I add money to my account?** Top up by card, Apple Pay, Google Pay or ACH, or receive a bank transfer to your account details. Stablecoin deposits are also supported where enabled. - **Where can I send money?** To bank accounts and mobile money in 80+ countries, and to other Easner users by EASETAG. You see the fee, the rate and what your recipient gets before you confirm. - **How long does a transfer take?** Typically minutes to hours, same-day where supported. Every transfer shows its status in the app until it's completed. - **How is my account protected?** An authenticator, your PIN and Face ID protect every sign-in and every new recipient, and a first payment to someone new can be held for your review. Easner verifies every customer and screens transactions; banking services are provided by licensed partners. ### Cards - **When will Easner cards be available?** Cards appear in Easner Business and the Easner app once they're available for your account and you're approved. - **Are there personal and business cards?** Yes. Corporate cards are issued from Easner Business; personal cards come with Easner Personal Banking in the Easner app, when available. - **Can I get virtual and physical cards?** Both. Virtual cards are ready to use online, and physical cards are shipped to the cardholder, when available. - **What spending controls are there?** Monthly limits, merchant rules and team policies for each cardholder, plus the option to freeze or retire a card from the dashboard. - **Where do card purchases show up?** Alongside your payouts, collections and account activity in Easner Business, so finance reconciles everything in one place. - **Who issues Easner cards?** Card products are issued by a third-party issuer and are subject to approval. Easner is a financial technology company, not a bank. ### Business Banking - **Who can open an Easner Business account?** Startups, small businesses and established companies from most countries. A small number of jurisdictions are excluded for compliance and sanctions reasons. - **What do I need to verify my business?** Your business registration details, the people who own and control it, and identity verification for each owner. You can track every step from your dashboard. - **Which currencies can my business hold?** USD and EUR account details in your business's name, plus GBP and other currencies where supported for your organisation. Stablecoin deposits land in the same place where enabled. - **How do I pay suppliers and contractors abroad?** Send from your balance to bank accounts, mobile money or stablecoin wallets in 80+ countries. The rate and fees are shown before you confirm, and each payment carries its own status. - **Can my team use the account?** Yes. Invite teammates and give each one the access they need, with payment history and reports for the whole team. - **How do customers pay my business?** Send an invoice, share a payment link, embed Checkout on your website, or collect in person with Terminal and QR Pay. Every payment lands in the same Easner Business ledger. ### Checkout - **Do I need my own payment processor?** No. Easner is the merchant on record for checkout – you don't need to set up or maintain a separate payment account. - **Do I need to write code?** Yes – Checkout embeds on your own website with a publishable key, a short integration, and a webhook. If you don't have a website, Easner Payment Links is a no-code alternative. - **What payment methods are supported?** Card, bank payment methods, and digital wallets, with stablecoin settlement available where enabled. Fees are shown before your customer confirms. - **How do payouts work?** Checkout and subscription payments settle into your Easner Business account and reconcile alongside your other activity in one ledger. - **Can customers pay with stablecoins?** Yes, where enabled. A stablecoin option sits beside card and bank, and the payment lands in Easner Business like any other. - **Can I charge subscriptions?** Yes. Set a billing interval and an optional free trial; customers see when they'll be charged before they pay. ### Payment Links - **Do I need a website?** No. Payment Links is Easner's no-code option – you get a shareable hosted page with no website or code required. If you already have a website, Easner Checkout lets you embed payments directly. - **Can a payment link be reused?** Yes. A link stays open and can take payment from multiple customers until you close it. - **Can a payment link recur?** Yes. Set a billing interval and an optional free trial – customers see a renewal disclosure before they pay. - **How do payouts work?** Payments settle into your Easner Business account and reconcile alongside your other activity in one ledger. - **How can customers pay a link?** By card, Apple Pay or Google Pay, by US bank account, or with stablecoins where enabled. - **Can I limit or close a link?** Yes. Cap the number of payments, let customers choose a quantity, or close the link whenever you're done. ### Invoicing - **Invoicing vs. Checkout vs. Payment Links?** Invoicing is for itemized bills to a named customer, with line items and payer records. Easner Payment Links is a no-code shareable page for quick one-time or recurring payments – no invoice needed. Easner Checkout is for embedding payments directly on your own website. All three settle in the same Easner Business ledger. - **How can customers pay an invoice?** By card, Apple Pay or Google Pay, by bank transfer, or with stablecoins where enabled – all from the same hosted invoice page. - **How are bank transfers matched to invoices?** Each invoice has its own reference. When a customer pays with it, the payment is matched to the invoice automatically. - **Which currencies can I invoice in?** USD and EUR, and other currencies where supported for your business. - **Can customers download the invoice?** Yes. Every hosted invoice page offers a PDF download, so customers can keep it for their records. - **Where do invoice payments go?** Into your Easner Business balance, reconciled alongside your other payments in one ledger. ### Payroll - **Who can I pay with Easner Payroll?** Employees and contractors in 80+ countries, paid from your Easner Business balance. - **How do people choose how they get paid?** Each person connects to your payroll in the Easner app and chooses where they're paid – an EASETAG, a bank account or mobile money – so you don't collect payment details by hand. - **How do approvals work?** Each payday is reviewed and approved before any money moves. Maker-checker approvals mean the person who drafts a run isn't the only one who signs it off. - **Do people get pay stubs?** Yes. A pay stub is generated for every payment, with pay items and net pay, and people can download it from the Easner app. - **Can I run off-cycle payments and bonuses?** Yes. Add an off-cycle payment, such as a bonus, alongside your regular paydays, with the same approvals and records. - **Where do payroll payments show up for finance?** Payroll settles alongside your other payouts, invoices and card activity in Easner Business, so finance reconciles in one place. ### Partners - **What is Easner for Partners?** A commercial partner programme with two models: the Agency Model, a full branded deployment on Easner infrastructure, and the Developer Model, API access without a full branded deployment. - **What does Easner run, and what do I run?** Easner runs the infrastructure, verification, screening, payout connections and ongoing operational support. You run the brand and the relationship with your customers. - **Can the product carry my own brand?** Yes. Your customers use a product under your name, logo and colour, built on Easner infrastructure. - **Who is the programme for?** Money transfer agents, OTC agents, and faith and nonprofit networks moving money across borders, among others. - **How do I get started?** Talk to our team about your use case and corridors, complete business verification with Easner, configure your branded product, then go live with ongoing support. - **How is the partner programme priced?** Commercial terms depend on your model, corridors and volumes. Contact our team to discuss them. ### Developers - **How do I get access to the Easner API?** Talk to our team. API credentials and sandbox access are provided during commercial onboarding. - **What can I build with the API?** Customer verification, multi-currency accounts and pay-in details, stablecoin deposit addresses, payout quotes and cross-border payouts, all with webhooks for every status change. - **Is there a sandbox?** Yes. Test keys and a sandbox let you run verification, pay-in, payout and webhook flows before you go live. - **How are webhooks secured?** Every webhook payload is signed, so your backend can verify it came from Easner before acting on it. - **Do my customers need a crypto wallet?** No. Settlement runs on stablecoin rails behind the API; your customers see balances and payments in regular currencies. - **How is the API priced?** Pricing depends on your use case and volumes. Contact our team for commercial terms. ### Stablecoin - **Why did Easner build on stablecoin rails instead of traditional banking rails?** Easner is stablecoin-native banking and payment infrastructure – settlement was built on stablecoin rails from day one, not added on top of legacy banking rails afterward. The same rails power everyday transfers, invoices, payouts, and checkout, not a separate stablecoin feature. - **How does Easner move money internationally?** Easner settles cross-border payments on stablecoin rails – primarily USDC and EURC – then pays out in local currency at the destination. You send dollars and your recipient is paid in their own currency. The settlement step happens in between, and you never handle it. - **Do I need a crypto wallet to use Easner?** No. Stablecoin settlement runs behind your account. You can receive to a deposit address or send to supported wallets if you want to, but everyday accounts, invoices, and payouts work in regular currencies. - **Why is stablecoin settlement faster than a bank wire?** A traditional wire passes through several correspondent banks, each adding a step. Stablecoin settlement shortens that path between Easner and its payout partners. Timing still depends on destination, banking hours, and verification checks. - **Which stablecoins does Easner support?** USDC, USDT and EURC on supported networks, where enabled. Deposit addresses and network details are shown in your Easner Business account before you send or receive. - **Can I accept stablecoins in person?** Yes. Terminal and QR Pay let customers pay at your counter with stablecoins, where enabled, and every payment posts to your Easner Business ledger. ## Company - [Home](https://www.easner.com/): Stablecoin-native banking for individuals and businesses. - [About](https://www.easner.com/about): Founders, mission and the Easner platform. - [Contact](https://www.easner.com/contact): Sales, partnerships and booking a call. ## Legal - [Terms of Service](https://www.easner.com/terms) - [Privacy Policy](https://www.easner.com/privacy) - [KYC/KYB and AML Policy](https://www.easner.com/compliance) - [Delete Account](https://www.easner.com/delete-account) ## Optional - [Sitemap](https://www.easner.com/sitemap.xml): every public page.