# Wayex

> The global stablecoin super-app. Deposit USDC, USDT, DAI or PYUSD on any supported chain, or fiat via local rails, into a unified USD balance — and spend anywhere Visa is accepted.

## What is Wayex

Wayex is a financial technology platform that bridges traditional finance and stablecoins. Users deposit stablecoins (USDC, USDT, DAI, PYUSD on 10+ blockchains) or fiat (ACH, Wire, SEPA, PIX, SPEI, Faster Payments) and everything converts into a single unified USD balance. That USD balance funds the Wayex Visa card, which is accepted anywhere Visa is accepted. Users do not pick a chain or coin at point of sale — the complexity is handled at deposit time.

## Core Model: Unified USD Balance

Wayex removes the "which coin, which chain" problem. Users deposit whatever supported stablecoin they have, from whichever chain they have it on, or fiat through local banking rails. Everything converts to USD on deposit and lives in a single balance. The Visa card spends from that USD balance. There is no per-transaction coin selection.

## Key Products

- **Unified USD Balance**: Held 1:1 USD-backed. Funded by stablecoin deposits (USDC, USDT, DAI, PYUSD on 10+ chains) or fiat deposits.
- **Fiat On/Off Ramps**: Deposit and withdraw USD, EUR, GBP, MXN, and BRL via ACH, Wire, SEPA, PIX, SPEI, and Faster Payments.
- **Visa Debit Card**: Virtual and physical. Spends from the unified USD balance anywhere Visa is accepted. 0% fee on USD spend, 1.5% FX on non-USD. Apple Pay and Google Pay supported. Issued by Lead Bank pursuant to licensing by Visa U.S.A. Inc.

## Supported Stablecoins & Chains

- Stablecoins: USDC, USDT, DAI, PYUSD
- Blockchains: Ethereum, Solana, Polygon, Arbitrum, Optimism, Base, and more

## Availability

Card and accounts available in: United States, Argentina, Colombia, Mexico, Brazil, Guatemala, Costa Rica, El Salvador, Honduras, Panama, Paraguay, Uruguay, Bolivia, Dominican Republic, Ecuador, Nigeria, Ghana, South Africa, Hong Kong, Philippines, Japan, Singapore, Thailand, Bhutan, Maldives, Macau, Malaysia, Sri Lanka. App available in 160+ countries for KYC and stablecoin deposits.

## Company

- Founded: 2018 in Australia (originally CryptoSpend)
- Founders: Andrew Grech (CEO) and Richard Voice
- Entity: Wayex Global S.A., Republic of Panama
- Card issuer: Lead Bank
- Program manager: Bridge Ventures LLC (a Stripe company)
- Track record: 40,000+ users, hundreds of millions in processed transactions (Australia)

## Pricing

- Virtual card issuance: Free
- USD spend: 0% fee
- Non-USD spend: 1.5% FX fee
- DAI/USDC deposits: 1:1 (no fee)
- USDT deposits: 0.1% fee
- Monthly maintenance: Free

## Upcoming Features

The following are announced but not yet live:

- Stablecoin swap across 10+ chains (coming soon)
- Everyday yield up to 5% on liquid USD balances (coming soon)
- Fixed-term yield up to 16% APY via Kasu institutional-grade private credit (first quarter 2026)
- Additional local fiat accounts (GBP, SGD, AUD)

## Links

- Website: https://www.wayex.com
- App (iOS): https://apps.apple.com/app/wayex/id1591055773
- App (Android): https://play.google.com/store/apps/details?id=com.AUD.wayex
- About: https://www.wayex.com/en/about
- Card: https://www.wayex.com/en/card
- App features: https://www.wayex.com/en/app
- FAQ: https://www.wayex.com/en/faq
- Blog: https://www.wayex.com/en/blog
- Affiliates: https://www.wayex.com/en/affiliates

## Detailed Documentation

- [Full product details](https://www.wayex.com/llms-full.txt)