STABLECOIN BANKING
Three currencies.
One balance sheet.
Receive EUR, USD, and GBP into virtual accounts; hold balances as USDC or EURC stablecoin. Move between currencies and assets without leaving the platform. Stablecoins are backed 1:1 with cash and short-dated government bonds.
- Fiat
- EUR via SEPA
- Stablecoin
- EURC
- Fee in
- Starting at 0.10%
- Fee out
- Starting at 0.10%
- SEPA Instant · from €1.50
- SEPA Wire · from €1.50
- Fiat
- USD via ACH / Fedwire
- Stablecoin
- USDC
- Fee in
- Starting at 0.10%
- Fee out
- Starting at 0.10%
- ACH · from $1.50
- Fedwire · from $30
- Fiat
- GBP via Faster Payments
- Stablecoin
- USDC
- Fee in
- Starting at 0.60%
- Fee out
- Starting at 0.60%
- Faster Payments · from £1.50
HOW MONEY MOVES
Fiat in. Stablecoins held. Fiat out.
EUR, USD, and GBP arrive over SEPA Instant, ACH, Fedwire, and Faster Payments, into virtual accounts in your name.
Balances settle as USDC or EURC, backed 1:1 with cash and short-dated government bonds.
Move between USDC, EURC, USDT, USDe, and PYUSD at a locked-in quote without leaving the platform. No separate exchange account.
Pay out over the same local rails you fund with. Fees start at 0.10% per transfer.
OPEN ACCOUNT
Move money in three currencies.
Frequently asked
Is LurraPay a bank?
No. LurraPay is a financial-services platform. Banking-style features are provided by licensed partner institutions; LurraPay is not itself a bank.
Does LurraPay hold or custody my money?
No. Regulated partner institutions hold customer funds and provide the regulated services. LurraPay never takes custody of user funds.
What does LurraPay actually do?
It packages multi-currency stablecoin accounts, on-ramp, off-ramp, stablecoin swaps (USDC, EURC, USDT, USDe, PYUSD), and identity verification from licensed partners into a single product, account, and API.
Is LurraPay just a hardware wallet company?
No. The core offering is the financial-services platform (LurraPay Inc.). LurraPay is also launching a self-custody hardware wallet with built-in banking (ships September 2026, pre-order open), which is the same platform in a physical device.
What currencies and assets are supported?
EUR, USD, and GBP accounts. Deposits settle as USDC or EURC, and on-platform swaps also cover USDT, USDe, and PYUSD.
Who provides LurraPay's banking infrastructure?
Banking rails are provided by MoonPay Virtual Accounts, powered by Iron (a MoonPay company). MoonPay announced the integration publicly on 2 July 2026. Every user receives dedicated USD, EUR, and GBP account details, with an IBAN on the EUR account; deposits convert to stablecoins that settle directly to the user's wallet, and SEPA Instant lets both deposits and payouts complete in seconds. Regulated partners hold customer funds; LurraPay does not.
Where is LurraPay based?
LurraPay Inc. (Cayman Islands) operates the platform and builds the hardware wallet, which is engineered in Europe.