Global business. Connected finance.
Take crypto payments, hold USDT and USDC, buy or sell crypto with a card or bank, swap USDT for USDC, and cash out to USD or EUR on a Visa or Mastercard. Accounts with IBANs and bank transfers are coming next.
Get started creates your login and application. Services open after we review it.
Live now
Start with the services available today.
Approved business and personal clients can use these with real funds now. Check what's supported for your country, or talk to our team about your use case.
- Live now
Crypto wallet
Receive, hold and send USDT and USDC. Pay other Valtora clients instantly, at no charge.
- Live now
Crypto payments
Take USDT and USDC with your own QR code or payment link, or send a crypto invoice for a set amount.
- Live now
Cash out and send to a card
Convert USDT or USDC to a USD or EUR balance, then send it to a Visa or Mastercard in the same currency.
- Live now
Buy and sell crypto with a card or bank
Buy USDT or USDC with a card or bank transfer, delivered to your Valtora balance, or sell it to your own bank account or card. You pay or get paid on the provider's secure page.
Availability depends on your country of residence, payment or payout method, and provider requirements.
- Live now
Swap crypto
Swap USDT for USDC and back at a fixed rate. You see exactly what arrives before you confirm.
- Limited availability
Trade crypto
Buy and sell between the cash and crypto balances in your account, for example USD for USDT, at our custody partner's rate.
Check availability for buying and selling crypto
Choose your country of residence. Buying with a card and selling for a payout are checked separately.
Confirm your country of residence to check availability.
Availability depends on your country of residence, payment or payout method, and provider requirements. Questions? Talk to our team
Country availability
MoonPay doesn't serve residents of these countries and territories. A country missing from this list isn't automatically supported: use the check above.
- No match.
Selling only, also unavailable in: Texas (United States).
Provider: MoonPay, buying and selling · Source: MoonPay's list of unsupported countries · Last checked 30 October 2026
Networks: USDT on Tron, Ethereum, BNB Smart Chain, Solana, Polygon, Arbitrum, Optimism, Avalanche C-Chain and TON. USDC on Ethereum only.
Coming next
Planned services
These aren't available yet, and we don't give dates until they're ready. Apply for early access and we'll tell you before each one opens.
- Coming soonAccounts with IBANsDedicated and virtual IBANs, and USD accounts for SWIFT.
- Coming soonBank transfersSEPA, Faster Payments, ACH, wires and SWIFT, with bulk payouts.
- Coming soonCurrency conversionConvert between currencies, with every fee shown before you confirm.
- Coming soonValtora cardsVirtual and physical debit cards funded from your balances.
- Coming soonCards as a ServiceCard programmes inside your own product.
One payment, step by step
From a crypto payment to money on a card
An example using the services live now. Exact amounts depend on the network, the amount and the card, and you see them before you confirm.
Your customer pays
They scan your QR code or open your invoice and pay USDT or USDC on the network shown.
Credited to your wallet
Your balance goes up once the network confirms the payment.
Cash out to USD or EUR
You see the rate and our fee, then confirm.
Sent to a card
Pick a Visa or Mastercard in the same currency and confirm with your passkey. Most cards are credited shortly after we send; some banks take 1 to 3 business days.
Example only. It shows how the steps connect, not a real customer's figures.
Product demo
See it with sample data, no sign-in needed
The demo opens straight into a sample workspace. Nothing you do there moves real money. It's in English.
Who it's for
- BusinessTake crypto payments, hold USDT and USDC and cash out to a card today. Accounts and international transfers are coming.Get started
- PersonalHold and send USDT and USDC and cash out to your own card today. Multi-currency accounts are coming.Get started
- PlatformsPayment links, QR codes and crypto invoices today. Payout APIs and Cards as a Service are coming.Talk to our team
Who you're dealing with
Know who holds your money before you send any documents.
Valtora is a brand of 2ndline Inc., a Florida corporation (United States). Valtora is a financial technology platform, not a bank.
Your money
Client crypto and USD/EUR cash are held in segregated client-money wallets at our licensed custody partner. Valtora is not a bank; balances are not covered by deposit insurance.
Platforms' client money
A platform's own fees are kept apart from money it holds for its customers, under an arrangement agreed during onboarding.
Checks before money leaves
Addresses are screened against sanctions lists, and large or unusual transfers are reviewed before they're sent.
Check availability
A first check for where you're based and the card you'd pay out to. It isn't an approval.
What we can offer also depends on your business activity and our review. Languages on this site don't mean a country is supported.
Pricing
Fees for the services live now
Every fee is shown before you confirm. Network fees change with demand on the blockchain.
| Service | Fee |
|---|---|
| Receiving crypto | 0.25% (minimum 0.25 USDT or USDC) |
| Sending crypto out | Network fee plus our markup, shown before you confirm |
| Between Valtora clients | Free |
| Crypto payments (QR, link or invoice) | 0.5% of each payment; under 100 USDT or USDC, 0.25 plus 0.25% |
| Cash out to USD or EUR | 0.60% conversion fee at our partner's rate |
| Send to a card | A fixed fee plus a percentage, per card type, shown before you confirm |
| Buy or sell crypto with a card or bank | The provider's fee and rate, shown in each offer before you choose |
| Swap crypto | Network fees plus our markup on the send, shown in the quote |
| Trade crypto (on request) | 0.60% conversion fee |
| Service | Limits |
|---|---|
| Crypto wallet | Every address and network is checked before money leaves. Sending to a new address can involve a waiting period. |
| Crypto payments | Each code or invoice works on one network. Payments are credited once the network confirms them. |
| Cash out and send to a card | Cards issued in supported countries only. Per-payout and daily limits show before you send. Crypto can't go to a card directly. |
| Buy and sell crypto with a card or bank | Where the provider serves your country. The provider checks your identity, and each offer shows its own minimum and maximum. |
| Swap crypto | A minimum amount applies and is shown before you confirm. The rate holds for a few minutes. |
| Trade crypto | Switched on for each client on request. The price holds for a minute and is checked against the market. |
Your prices
Prices depend on where you're based and, for a business, what it does. Choose yours to see them.
Choose a country to see your prices.
These are the prices your application would show. We confirm them when we review it, and they can change if what we find differs from what you told us.
FAQ
Questions before you start
What can I use today?
A crypto wallet for USDT and USDC, crypto payments by QR code, link or invoice, buying and selling crypto with a card or bank, swaps between USDT and USDC, and cashing out to USD or EUR with payouts to a Visa or Mastercard. Trading between cash and crypto balances is available on request. Accounts with IBANs, bank transfers, FX and Valtora cards are coming soon.
What happens after I click Get started?
You create a login with a passkey and fill in a business or personal application. We review it, and services open only after approval. Your application also covers services that aren't open yet; we tell you before each one opens.
Is Valtora a bank?
No. Valtora is a brand of 2ndline Inc., a Florida corporation, and a financial technology platform, not a bank. Client money is held at our licensed custody partner and isn't covered by deposit insurance.
Which networks can I use?
USDT on Tron, Ethereum, BNB Smart Chain, Solana, Polygon, Arbitrum, Optimism, Avalanche C-Chain and TON. USDC on Ethereum only. Tokens sent on any other network may be lost.
Can I send crypto straight to a card?
No. Cash out to USD or EUR first, then send from that balance to a card in the same currency.
Talk to our team
Tell us what you need and where you're based, or apply for early access to services that aren't open yet.
Chat on Telegram