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Multi-chain · 0% fees · Self-custodial

Spend any crypto. Pay zero fees.

Bay Pay is the crypto neobank for every chain. Hold Bitcoin, Ethereum, Solana and stablecoins in one self-custodial account — and spend anywhere with a Visa card. No fees. Ever.

Get startedSee how it works
  • Instant virtual cards
  • Non-custodial
  • BTC · ETH · SOL · USDC
Bay Pay Visa debit card

Works with the whole market

BitcoinBitcoinEthereumEthereumSolanaSolanaUSD CoinUSD CoinTetherTetherBaseBasePolygonPolygonArbitrumArbitrumBNB ChainBNB ChainAvalancheAvalancheXRPXRPLitecoinLitecoinDogecoinDogecoinTRONTRONBitcoinBitcoinEthereumEthereumSolanaSolanaUSD CoinUSD CoinTetherTetherBaseBasePolygonPolygonArbitrumArbitrumBNB ChainBNB ChainAvalancheAvalancheXRPXRPLitecoinLitecoinDogecoinDogecoinTRONTRON

Why Bay Pay

One account for all of crypto.

Everything a modern crypto neobank should be — and nothing you have to pay for.

0% fees, always

No monthly fees, no card fees, no FX spread, no hidden cuts. What you send is what lands.

Every chain, one account

Bitcoin, Ethereum, Solana, Base, Polygon, Arbitrum, TRON and more — deposit any asset, spend in seconds.

Spend anywhere with Visa

A Visa card for 150M+ merchants in 170+ countries. Apple Pay & Google Pay from the moment you sign up.

Self-custody by design

Passkey security and account abstraction keep you in control of your keys until the exact moment you pay.

Stablecoins that earn

Hold USDC, USDT, PYUSD and dollars together and earn on idle balances — no lockups, withdraw anytime.

Instant everywhere

Settlement in under a second. Move money 24/7 across borders with no bank hours and no waiting.

How it works

Live on crypto in three steps.

01

Create your account

Sign up in seconds with your Whop account — no paperwork, no branch.

02

Fund with any crypto

Send BTC, ETH, SOL, USDC or any supported asset from any wallet or exchange.

03

Spend anywhere

Tap your Bay Pay Visa in-store or online. We settle instantly, at zero fees.

0%Fees on everything
14+Chains & assets
150M+Visa merchants
170+Countries covered
Bay Pay Visa debit card

The card

Zero-fee. Any coin. Yours.

One Visa debit card that spends every asset in your account — instantly, anywhere, with nothing skimmed off the top.

  • No fees, ever — issuance, monthly or FX
  • Tap to pay with Apple Pay & Google Pay
  • Freeze, unfreeze and set limits instantly
  • Crypto cashback on every purchase
Get started

Standard

Free

Everything you need to spend crypto with zero fees.

  • 2 free virtual cards
  • 1.5% crypto cashback
  • Apple Pay & Google Pay
  • No FX fees, anywhere
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Most popular

Premium

Invite

For power users who live on crypto.

  • 3% crypto cashback
  • $0 ATM withdrawals
  • Airport lounge access
  • Priority 24/7 support
Request invite

FAQ

Good questions, clear answers.

Does Bay Pay really charge zero fees?

Yes. No monthly fees, no card issuance fees, no FX spread and no hidden transfer cuts on your Bay Pay account and card.

Which coins and chains are supported?

Bitcoin, Ethereum, Solana, Base, Polygon, Arbitrum, BNB Chain, TRON, Avalanche, XRP, Litecoin, Dogecoin and major stablecoins like USDC, USDT and PYUSD — with more added continuously.

How do I create an account?

Tap Get started and sign in with your Whop account, then fund your account with any supported crypto.

Do I keep custody of my funds?

Yes. Bay Pay is self-custodial by design. Passkeys and account abstraction keep your assets under your control until the moment of payment.

Where can I use the card?

Anywhere Visa is accepted — over 150 million merchants across 170+ countries, plus Apple Pay and Google Pay.

How fast are payments?

Settlement happens in under a second. Send and spend 24/7 with no bank hours.

Your money. Every chain. Zero fees.

Open a Bay Pay account and get a Visa card the moment you sign up.

Get started