A business bank account that pays 71 countries in local currency

What the account is

A business bank account with US account and routing numbers in your business's own name. Customers, clients and platforms pay you by ACH, wire, RTP or FedNow; you pay staff, suppliers and taxes the same ways, and every movement shows in one ledger with its counterparty, reference and fee.

What makes it different is what sits on the same balance. Card sales settle into it the minute they clear, employee expense cards spend from it, payouts to 71 countries leave from it in the recipient's own currency, and USDC and USDT can be received, held and sent beside the dollars. There is no second provider to move money from and no payout to wait on.

Paying suppliers and contractors in 71 countries

An international wire passes through correspondent banks, each of which can add time and a fee, and the recipient's bank often charges to receive it. Anytime Capital pays over the domestic rail the recipient's bank already uses: SEPA Instant in the euro area, Faster Payments in the UK, PIX in Brazil, SPEI in Mexico, UPI in India, PayNow in Singapore and mobile money across much of Africa. The supplier gets their own currency in their own account, often in seconds.

SWIFT covers most other countries, and same-day USDC and USDT transfers reach a contractor's wallet at any hour, weekends included. Every payout shows its fee and exchange rate before you send it, and the full schedule is on Fees and limits.

Getting paid into the same balance

Payment processing is built in at 2.75% + 30¢ per card or wallet payment, with no monthly, setup or PCI fee, and 2.5% + 30¢ for your first 90 days for new businesses. Take Visa, Mastercard, Amex, Discover, Apple Pay, Google Pay and ACH through payment links, branded invoices, subscriptions, a Pay button or full checkout on your website, and a QR code at the counter.

Settled sales land in the account instantly, nights and weekends included, with no payout fee. Against a separate processor that is days of float back in your hands, and against Stripe's Instant Payouts it is a fee you no longer pay.

Cards for everyone who spends

Issue physical and virtual expense cards to every employee from the same balance, each with its own limit and merchants. A privacy button keeps the card number masked until the cardholder taps Show, temporary cards close themselves after one purchase or a date, any card freezes in one tap, and every card goes into Apple Pay and Google Pay the minute it is issued.

Crypto beside the dollars

Take USDC and USDT by payment request on Ethereum, Solana or Tron, hold them, send them to a supplier the same day, and sell them back to dollars when the books need it. The crypto desk buys and sells 38+ assets at desk-quoted rates, and every business account includes a free non-custodial wallet whose keys stay with you. Crypto balances are not FDIC insured.

Built for your finance stack and your AI

Reports download as files formatted for QuickBooks Online and Xero, with fees, refunds and disputes as their own lines, and a payouts file to reconcile every transfer. Developers get a REST API, signed webhooks and docs written to be pasted, each page also available as Markdown.

AI agents connect over MCP: add the Anytime Capital server to Claude Code, Cursor or another MCP client with one line from the docs, and the agent can list payments, create payment links and send invoices with a key you can revoke.

People, and branches you can walk into

A live US business team answers by phone, chat and email, with people who can see your account rather than a ticket queue. Branches in Atlanta, Miami and Houston handle account opening, cash and larger crypto orders in person, with more cities opening next.

Opening the account

Apply online in a few minutes with your business's legal details, formation documents and the identity of its owners. Most complete applications are approved the same day, with no waitlist and no funding requirement. Holding companies and layered ownership take a few days, because the review is more work. Once open, fund the account by ACH or wire, issue cards, and send your first payment link.