Pricing
Earn more than you pay.
No hidden FX games, no locked cashback. Cards, yield, investing, and a full developer platform — priced so the free tier is genuinely useful.
Developer Core
$0/mo
For startups & AI agent sandbox testing
- Full REST & MCP server API access
- OAuth 2.1 with DPoP sender-constrained tokens
- x402 pay-per-call settlement for AI agents
- Passkey (WebAuthn) authentication
- Community support
Growth Orchestrator
$299/mo
For platforms, neobanks & travel OTAs
- Agent spend control plane with enforced per-agent policies
- Human passkey approval on every money-moving tool call
- Rail registry: protocol, chains, fees and per-transaction caps
- Corporate-actions ledger — splits, dividends, mergers, spin-offs
- Hong Kong bank directory: 20 licensed banks, HKMA open data
Enterprise & BaaS
Custom
For high-volume merchants & platforms
- Custom settlement rates below the standard 0.5%
- Settlement and uptime SLA
- Per-transaction audit trails with reconciliation exports
- Auth posture of every endpoint enforced in CI
- Dedicated account manager
Enterprise
Custom pricing for high volume.
For hotels, airlines, marketplaces, and platforms settling stablecoins at scale. Rates below 0.5%, a defined SLA, and the controls procurement and security teams ask for.
- ✓ Volume rates below 0.5% per transaction
- ✓ Uptime & settlement SLA (defined per contract)
- ✓ Dedicated account manager · priority support
- ✓ Per-transaction audit trail & signed receipts
- ✓ Reconciliation exports (CSV / ISO 20022)
- ✓ Sanctions screening, Travel Rule & jurisdiction controls
Questions
Is there really a free tier?
Yes. Standard is $0/mo with a virtual stablecoin card, 1% cashback, up to 4% APY on idle balances, a local USD/EUR account, and fractional investing.
How does cashback work?
Cashback is paid in USDC on eligible card spend — 1% on Standard, 2% on Pro (up to $10k/mo), and 3% on Ultra. It settles to your balance, withdrawable to fiat or crypto.
Where does the yield come from?
We route reserves into low-risk tokenized T-bills and audited lending vaults and pass the yield through to you. No lock-up — withdraw anytime.
What's the portfolio-backed credit line?
On Ultra, borrow against your stocks and crypto without selling — interest only on what you draw. Keep your upside and avoid a taxable event.
Do developers pay for the API?
The SDKs, CLI, MCP server, and x402 middleware are open-source and free. The hosted API is metered — a free sandbox, then usage-based pricing on Ultra.
Is there volume pricing for businesses?
Yes. Merchant payments are a flat 0.5% per transaction, and at higher volume the Enterprise plan offers custom rates below 0.5%, a settlement and uptime SLA, a dedicated account manager, and per-transaction audit trails with reconciliation exports. Contact sales for a quote.
Do you offer an SLA and compliance controls for enterprise?
Enterprise contracts include a defined uptime and settlement SLA, sanctions screening and Travel Rule support on every payment, jurisdiction and KYC-tier controls, and reconciliation files. Formal certifications such as SOC 2 are on our compliance roadmap — see the trust center for current status.
Furlpay is not a bank. Crypto assets are not covered by FDIC/FSCS deposit insurance and can lose value. Cashback and APY figures are illustrative in this preview.