One wallet for every currency you use.
Send, pay bills and hold USD, EUR, GBP and INR in one place — with USDC and USDT alongside. Free instant transfers to anyone on PAAVS, and every payment confirmed with your face.
Everything your money does, in one app.
Built for people who get paid in one currency, live in another and send money to a third.
Hold dollars, euros, pounds and rupees — side by side.
Keep a balance in each currency and switch between them in one tap. Your balance, insights and limits show in the currency you choose.
- USD, EUR, GBP and INR wallets
- Live rates shown before you confirm
- Pick your home currency anytime
USDC and USDT, right next to your cash.
Send to any wallet address on Base or Tron. We check the address against known scam lists and cover the network fee.
- USDC on Base, USDT on Tron
- Address checks before anything leaves
- Every confirmation tracked live
Never miss a due date.
See what's due, pay in a tap, and switch on autopay for the bills that never change.
- Electricity, water, internet, mobile, rent and more
- Autopay on the due date
- Receipts in your activity
A card you control from your phone.
Freeze it in a tap, set a monthly limit, and choose where it works — online, contactless, abroad or at ATMs.
- Instant freeze and unfreeze
- Monthly spending limit
- Per-channel controls
Know where your money goes.
Spending by category and merchant, a monthly budget, and a weekly view you can check at a glance.
- Categories and top merchants
- Budget tracking
- Computed on your device
Scratch cards for everyday payments.
Pay a friend or a bill and you may earn a scratch card with cashback inside. No points to track, no catalogues.
Protected by your face, not a password.
Security that stays out of the way until it matters.
Face ID on every payment
No payment leaves without your face or fingerprint. There are no PINs to forget or type in public.
Passkeys, not passwords
Sign in with a passkey stored on your device. Nothing reusable for anyone to steal.
Approve new devices
A new sign-in needs approval from a phone you already trust, and you can sign out any device remotely.
Freeze in a tap
Lost your card or phone? Freeze the card and sign out every other device from one screen.
Checked before it's sent
Crypto addresses are checked against known scam lists, and big payments always ask again.
Your data, your call
Choose who can find you, turn off analytics, and download or delete your data whenever you like.
Simple fees, shown before you pay.
No monthly subscription. No hidden FX markup on transfers between PAAVS wallets.
| What you do | Fee |
|---|---|
| Sending to anyone on PAAVS | Free |
| Receiving money | Free |
| Crypto network fees (Base, Tron) | Covered by PAAVS |
| Adding money by bank transfer or Apple Pay / Google Pay | Free |
| Adding money by debit or credit card | 1.5% |
| International bank transfer | 0.5% + live rate |
Planned pricing. Final fees depend on our launch partners and your country, and we'll confirm them before you sign up.
Questions, answered.
When can I use PAAVS Pay?
Not yet — PAAVS Pay is still being built. Join the waitlist and we'll tell you when it opens in your country.
Is PAAVS Pay a bank?
No. When it launches, your money will be held and your card issued by licensed partners, and we'll name them clearly in the app before you sign up. Which features are available will depend on where you live and on the approvals those partners hold.
Which countries will it work in?
We'll announce launch countries before we open, then add more one at a time as licensing allows. Some features — especially holding foreign currencies and stablecoins — may not be available everywhere.
How does sending to other people stay free?
Transfers between PAAVS wallets never touch card networks or banks, so there's nothing to pass on. We make money on currency conversion and card top-ups, and we show those fees before you confirm.
What happens if a crypto transfer goes wrong?
Before sending we check the address and the network. If the network rejects a transfer, nothing leaves your wallet and you'll see it marked as returned. On-chain transfers can't be reversed once they settle, so we always ask you to confirm the network.
Do I need Face ID?
Every payment needs biometric confirmation — Face ID, Face unlock or fingerprint on your phone, or a passkey on the web.
Be first to know when PAAVS Pay opens.
Join the waitlist and we'll email you when it's available where you live. One email when we launch — nothing else.
This opens your email app with a message to pay@paavs.com. We only use your address to tell you about the launch.