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How Valtora works

Who runs Valtora, how your money is held and what you can use today.

The short version: Valtora is a brand of 2ndline Inc., not a bank. Crypto services are live; accounts with IBANs are coming.

Who you're dealing with

Valtora is a brand of 2ndline Inc., a Florida corporation (United States). Valtora is a financial technology platform, not a bank. Every application is reviewed: identity, country and, for businesses, ownership and activity.

How your money is held

Client crypto and USD/EUR cash are held in segregated client-money wallets at our licensed custody partner, apart from Valtora's own money. Each client's balance is recorded in our ledger and reconciled against the partner's wallets every hour. Valtora is not a bank; balances are not covered by deposit insurance.

Platforms and their customers' money

If you run a platform, your own fees and revenue are kept apart from money you hold for your customers or merchants, under an arrangement agreed with you during onboarding.

Crypto checks

Addresses are screened against sanctions lists before money leaves. Large or unusual transfers are reviewed, and sending to a new address can involve a waiting period. We never ask you to move crypto to keep it safe.

Who provides each service

Crypto custody, crypto payments and cashouts run through our licensed custody partner. Card payouts are sent by our team through the same partner. Buying and selling crypto with a card or bank will run through MoonPay when it opens; you'll see their terms on their page.

Legal documents

The website privacy notice covers enquiries sent from this site. The platform documents cover your login, application and account.

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.

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.

    Get startedDetails
  • 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.

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  • 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.

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  • 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.

    Check availabilityDetails
  • Live now

    Swap crypto

    Swap USDT for USDC and back at a fixed rate. You see exactly what arrives before you confirm.

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  • 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.

    Get startedDetails

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.

Check availabilityTalk to our team

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.

Apply for early access