The payment rail nobody can shut off.
Accept, invoice, and pay out in USDC at 1%. You hold the keys, so no bank, processor, or partner can freeze you.
Dashboard
Welcome back, 8dJ4…LvxG
Wallet Balance
$128,540.00USDC
Settlement volume
+12.5%Total Volume
$2,847,300
Transactions
4,182
Average Payment
$681
Today
$48,210
Recent Activity
View allSkyline Gaming Ltd
Deposit · Settled
+$12,400.00
2m ago
AffiliateHub payout
Payout · Settled
-$3,250.00
14m ago
Northwind Supply Co · Invoice #1042
Invoice · Settled
+$8,900.00
1h ago
Cross-border supplier
Payout · Settled
-$21,000.00
3h ago
Offbank is USDC payment infrastructure for businesses banks won't reliably serve: high-risk e-commerce, iGaming, cross-border, and cannabis merchants. Accept payments via a drop-in checkout, invoicing, or a POS terminal, send instant payouts to anyone by email, and cash out to USD, all through one API and dashboard. When traditional processors freeze accounts, Offbank keeps settling: under a second, 1% flat, non-custodial, built on Solana.
Built on
The opportunity
Your bank can pull the plug tomorrow. The rail you settle on shouldn't.
US high-risk commerce TAM banks won't reliably serve, including high-risk e-commerce, iGaming, CBD, hemp, firearms, cross-border wholesale, and cannabis
Unpaid B2B receivables in high-friction wholesale verticals
Average collection placement time
Stablecoin settlement built for industries banks won't serve. Until now.
What high-risk processors charge, because they can
Why you can't be frozen
Everyone makes you choose. We don't.
Custodial processors keep you compliant - but they hold your money, so they can freeze you exactly like a bank. Raw crypto can't be frozen - but leaves you stranded on compliance and cash-out. Offbank is the only rail that's both.
CoinsPaid…
Helio…
you
A custodial processor structurally can't promise this. If someone else holds your money, someone else can freeze it. Offbank never touches your funds - they settle straight to a wallet only you control. That's a guarantee a bank, Stripe, or CoinsPaid can never make.
By the numbers
Built for the businesses banks won't serve
Testnet transactions
Average settlement
Bank dependency
Flat fee
Features
Everything you need to settle
One platform for restricted and high-friction commerce: accept, invoice, pay out, and cash out in USDC.
Send Invoice → Get Paid
Send invoice → get paid instantly. No banks, no delays.
Plug Into Your OMS
LeafLink, Shopify, or your custom stack. Webhook in, USDC payment link out. REST API for everything else.
Compliance Built In
Automated KYB verification, OFAC screening, real-time BSA/AML monitoring.
No Account Freezes
Non-custodial means no one holds your funds. No one can freeze them.
Cash Out to USD
Cash out USDC to USD via ACH, Wire, or SEPA. Bank deposit in 1-2 business days.
1% Flat Fee
Not 5-9% like high-risk processors. One percent, every transaction, no surprises.
One rail, not five
Replace your entire payment stack
No banks, no holds, no middlemen. One USDC rail for accepting, invoicing, and paying out.
Your business is legal. Banking isn't.
High-risk operators (online stores Stripe drops, iGaming, CBD and hemp, firearms, cross-border wholesale, cannabis) still can't access basic financial infrastructure.
5-9%
Processing fees
72hrs
Avg. freeze time
$0
Recourse
100%
Cash dependent
Pricing
Simple and transparent pricing
One flat rate. No monthly fees, no hidden charges, no minimums.
Pay as you go
No setup fees. No monthly commitment.
1% per transaction
Doing more than $1M/month? Talk to us about volume pricing (down to 0.5%) and a dedicated success manager.
Proof
Proof, not promises
Every settlement is verifiable on-chain. Here's what the first one looked like.
Offbank moves USDC from buyer to supplier in under 5 seconds with zero chargebacks, zero holds, and an immutable audit trail on Solana. Currently live on devnet.
How it works
From invoice to settled in seconds
Connect, send, and settle. No bank account, no wallet for your recipient, no waiting.
Connect your business
Complete KYB verification in minutes. No bank account required.
Create an invoice or payment link
Send to any supplier or buyer by email. Set the amount, add a note, hit send.
Settlement in seconds
Recipient clicks the link, claims USDC via email. No wallet needed. Done.
FAQ
Frequently asked questions
Answers to the common questions about how Offbank settles, stays compliant, and keeps you in control of your funds.
The rail they can't freeze.
Accept, invoice, and pay out in USDC at 1%. Instant finality, cash out to USD whenever. Built for the businesses banks won't serve.