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.
Standard
$0/mo
For everyday spending
- ✓ 1% stablecoin cashback
- ✓ Up to 4% APY on idle USDC/EURC
- ✓ Virtual stablecoin card
- ✓ Local USD/EUR account
- ✓ Fractional investing
Pro
POPULAR$9/mo
For power users
- ✓ 2% cashback (up to $10k/mo)
- ✓ Up to 6% APY on balances
- ✓ Metal physical card
- ✓ Higher limits & priority FX
Ultra
$29/mo
For builders & teams
- ✓ 3% cashback + up to 8% APY
- ✓ Portfolio-backed credit line
- ✓ Full API + webhooks
- ✓ Dedicated MPC policy · 24/7 support
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.
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.