Get paid like a freelancer,
bank like a citizen.
Payroby gives you virtual bank accounts in five currencies, a self-custodial wallet for your savings, and instant withdrawals to bank, crypto, or mobile money — without ever putting your real name in our database.
Built on regulated infrastructure
Three steps from
first invoice to first withdrawal.
Sign up & verify
Create an account with just your email. Complete a 3-minute KYC handled by our regulated partner — your real name never touches our servers.
Receive in 5 currencies
Get your own virtual bank accounts in USD, EUR, MXN, BRL, and GBP. Share them with clients on Upwork, Deel, or anywhere else. Funds auto-convert to USD stablecoin on arrival.
Hold, spend, or cash out
Hold value in a self-custodial wallet you actually own. Withdraw to a local bank, send crypto on-chain, or cash out via mobile money — usually in minutes.
Built for the way
freelancers actually work.
Most banks treat freelancers like a risk. Most crypto wallets treat them like an experiment. Payroby treats them like the customer.
You own your money
Available funds live in a self-custodial wallet on Base. Export the keys whenever you want. We can't freeze it.
Five-currency virtual accounts
Real ACH, SEPA, SPEI, PIX, and Faster Payments details. Receive from anyone, anywhere, in their local currency.
Privacy by architecture
Your real name is held by our regulated KYC partner — never by us. A breach here leaks emails and usernames, never identities.
Invoice links that get paid
Send a checkout page. Clients pay by bank, card, or crypto. You get USD stablecoin — no FX surprises, no chargebacks for you.
Global cash-out
Withdraw to a local bank in 30+ countries, send USDC on-chain, or push to mobile money in minutes.
PIN + 2FA on every withdrawal
Two separate verification steps before money moves. TOTP authenticator, encrypted at rest. Your savings stay yours.
Even we can't see
who you really are.
Your real name, address, and ID live exclusively with our regulated KYC partner. Our database only ever sees an email, a chosen username, and a wallet address.
If we get breached tomorrow, no real-world identities leak. You are not the product. You are not even visible.
Questions, answered plainly.
Is Payroby a bank?
No. Payroby is a financial technology platform. Banking services and KYC are provided by Bridge, a US-regulated financial institution. Self-custodial wallets are powered by Openfort.
What does 'self-custody' actually mean here?
Your available balance lives in a smart wallet on the Base network whose keys are controlled by you. You can export them at any time and move funds without our permission. We technically cannot freeze your savings.
Why is there an 'available' and 'pending' balance?
Push payments (wires, ACH from a verified employer, SEPA credit) land directly in your self-custodial wallet — instantly available. Pull payments (card, ACH debit, SEPA debit) sit in a regulated hold for 1–5 days to cover the chargeback window, then move automatically.
Which countries can withdraw to a local bank?
Bank withdrawals are live in 30+ countries across the Americas, Europe, and parts of Africa and Asia. Crypto and mobile money withdrawals work everywhere on-chain settlement is legal.
What are the fees?
Free to open. Free to receive. Withdrawals charge a flat network or rail fee — typically $1–3 for bank, less for crypto. No monthly fees, no minimum balance, no FX markup beyond mid-market.
What happens if USDC depegs?
Payroby runs a circuit breaker that pauses fiat off-ramps if USDC trades below $0.95. Your self-custodial balance remains accessible on-chain at all times — you keep custody no matter what.
Open an account in
three minutes.
Free to sign up. Free to receive money. No subscription, no minimum balance, no surprises in the FX line.