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
Support the project
Send Bitcoin to support FurlPay.
FurlPay is open source and free to start. If the work is useful to you, you can support it directly in Bitcoin — scan the code or copy the address below. This is a donation, not a subscription: it does not buy a plan, and nothing on this page changes if you send it.
bc1q0qa8uqkxv90vyskvhde327evnx03pd2ttamhamBitcoin mainnet (bech32) · on-chain transfers are irreversible, so check the first and last characters against the address above before you send.
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.
Can I support FurlPay with Bitcoin?
Yes. FurlPay is open source and free to start, and you can donate on-chain in Bitcoin from the pricing page — scan the QR code or copy the bech32 address. It is a donation rather than a subscription: it does not buy or upgrade a plan.
Does FurlPay accept Bitcoin as payment for its plans?
No. FurlPay's own plans and merchant settlement are priced and settled in USDC — Standard is free, and merchant payments are a flat 0.5% per transaction. The Bitcoin address on this page is for voluntary donations to support the project, not a way to pay for a plan.
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.