Borderless money movement —
faster.transparent.unified.

Backed byStartmate

One Place, Three Wonders

  • Deposit snippet
  • Send snippet
  • Pay snippet
  • Send snippet
  • Exchange snippet

All currencies

Ultra-low-cost FX, live 24/7

One call for live quotes and instant global settlement.

Send money via WhatsApp

ID: XXXXX

Universal Account

$20,233

  • USD
  • AUD
  • CNY
  • HKD
  • Received · Claire

    Today, 12:20pm

    +USD $640
FROM

Bonding

TO

iBbyiBnk AI · online

One engine. Two rails.

Every payment is routed through bank or blockchain — whichever is faster and cheaper.

Bank Rail

Global banking networks

Funds held at partner banks. Settled via SWIFT, SEPA, ACH and NPP.

  • SWIFT, SEPA, ACH, NPP
  • Segregated client accounts
  • Multi-currency
  • KYC/KYB
Blockchain Rail

On-chain settlement

Secured by MPC wallet infrastructure. Real-time on-chain settlement.

  • MPC wallet
  • Stablecoin settlement
  • Real-time on-chain transfers
  • KYT monitoring

Moving Money, Optimized.

Whether you're sending money home, scaling a business, or deploying AI agents — iBnk gives you the rails.

For You

Money, without borders.

Hold any currency, send anywhere, pay from any chat. One universal account across borders.

  • Universal Hybrid Wallet
  • T+0 cross-border remittance
  • Voice-Driven Transfers to your friends
  • Optimized FX Conversions
Open an account
For Your Business

Global Business Account

Hold modern digital dollars and traditional fiat side-by-side. Pay anyone, anywhere, in seconds—without the usual bank delays.

  • Hybrid Cash Balance (Stablecoin & Fiat)
  • Institutional FX & Locking
  • Programmable On/Off-Ramps
  • T+0 Cross-Rail Settlement
Open an account

Trusted by the Best. Connected to All.

  • Circle
  • Kraken
  • Cobo
  • MHC Digital Group
  • Macropod
  • SGB
Our Early Circle

Our Early Circle

iBnk is invite-only during beta. Every member is here because someone vouched for them.

The future of payments starts here.

It only takes a few minutes to get started.

The future of payments starts here.

It only takes a few minutes to get started.