Unified balances across fiat and stablecoins with cards and virtual accounts
Give every user a bank account in their own name and a card that spends their stablecoin balance directly, with payins and payouts via simple bank transfers covering 60+ countries.
Virtual bank accounts
A EUR or USD account per user, in their name, for payins and payouts. Global money that flows at basis point fees, not percentage points.
Onramp with local bank transfers and SWIFT
Convert stablecoins to 120+ fiat currencies
Pay out to 60+ countries
Cards
Spend the balance directly, with authorization against the user's own account rather than a pooled float. Funds are self-custodial right up to the moment the card transacts.
Unified card and wallet balance
Self-custodial with no delayed withdrawal
Use vault positions as card collateral
One identity verification
Users KYC once and that verification is reused across every fiat integration in the stack. One identity, owned by the user, portable across the services we route them through.
Coverage
Accounts
EUR and USD, named to the user.
Payouts
60+ countries, 120+ currencies.
Cards
USD and EUR cards.
Methods in
Bank transfer, SEPA, card, Apple Pay, Google Pay and local rails.
ID verification
Reused across every integration.
Who is it for?
Global stablecoin neobanks
Your users need money that works where they live, not just onchain.
Payroll and payments platforms
You pay people in stablecoins and they need to spend them.
Apps at scale
Percentage fees stopped being acceptable a while ago.
One integration. One SLA.
Rhinestone commits to SLAs no self-custodial vendor can match. Every flow is self-healing and replayable, without compromising on security, self-custody or the user experience.
Uptime
Fulfillment rate
Settlement time
Coverage
Response time
Recovery
SLAs are agreed per integration.
Self-custodial money movement for modern fintechs
We work closely with a small number of teams at a time. Tell us what you're building.
Talk to us