The stablecoin app for you and your business.

Hold stablecoins, earn a return on your balance, and pay anyone in seconds, entirely privately. Invoicing, credit, fiat onramps, and strategies in one app.

pay.cycles.money

Web and mobile

We raised$8.7M

Users rate us4.9 ★

FundFund from a bank account, a wallet or an exchange, in minutes.

EarnMove your balance into a vault and earn a return over time.

PayPay your bills, suppliers, and employees, all privately.

Get paidInvoice customers and get financing on pending receivables.

Private paymentsSend an invoice, get paid in stablecoins, and pay suppliers and payroll all in one place. Amounts and counterparties are kept confidential.

Earning productsChoose a vault by risk level and earn a variable return. Pay directly from your vault balance, with no need to unwind a position first.

Virtual bank accountsGet a virtual bank account number through our regulated banking partners to receive fiat, which will convert to stablecoins automatically.

InvoicingInvoice customers and get an advance on up to 90% of an approved invoice, usually within 24 hours, with no debt on your balance sheet.

Available on both web and mobile

Manage your treasury, send payments, view transaction history, whether you're at home or on the go.

pay.cycles.money

Two accounts, one app

PersonalFor your everyday moneySpend, split, earn, and lend to friends

Split expenses and settle in appJoin or create a lending circleLend to friends and earnRefer friends and earn points

BusinessFor your business's cash flowYour operating account: payables, receivables, and treasury.

Send invoices to clients and track paymentsPay your suppliers and employeesManage your treasury with your teamGet financing on receivables

The same app for both: switch accounts in one tap. Your personal and business money always stay separate.

AI assistant

Manage your money from a chat

Connect your Cycles Pay account to a messaging app (Telegram, Whatsapp, etc.) and start talking to it as if it was your personal assistant. Ask it to create an invoice, pay a bill, send funds, or give you a summary of your expenses, all without having to open the app.

Information“How much did I spend in August?” “How much have I earned so far this year?” “Do I have any unpaid invoices?” “What's my business account balance?”
Payments“Send $500 to Mark for rent.” “Pay the bill from Auto Repair.” “Pay all outstanding bills, up to a total of $3,000.” “Send $100 to my bank account.”
Treasury“Move $1,000 from my main account to my earn vault.” “What APR is my vault currently earning?” “Move half of my vault from risk level 1 to level 2.”

Why people switch to Cycles Pay

Crypto walletsTraditional accounts

CurrencyUSD stablecoins, ramps to and from popular fiat currenciesUSD stablecoins, limited fiat railsLocal currency, limited USD support

BalancesVariable returns, spendable at any momentEarn nothing unless you manage DeFi positionsMinimal returns, often locked

PrivacyBalances and transfers shielded on-chainEvery balance and transfer publicPrivate from the public, visible to the provider

Getting paidSend an invoice, automatically track paymentsSend a wallet address, keep track manuallyInvoicing requires a separate application

FeesNo feesGas feesMaintenance and transactions fees

Privacy and security

Cycles Pay is private by design and audited for security.

The protocol encrypts balances and transaction details to keep sensitive financial information confidential. Balances sit in a shielded pool on-chain, and each transaction uses a zero-knowledge proof to verify that it is valid without revealing the amount or who you’re paying. The technology behind our private transactions has undergone multiple security audits, so you can be confident that your data is protected.

View our security audits

Encrypted

Amount

Zero-knowledge proofVerified

Built by a blockchain pioneer

Ethan Buchman co-founded Cosmos, often called the “Internet of Blockchains.” The Cosmos technology powers over 150 blockchains with more than $70b value. Some well known examples include Arc, Ripple, Ondo, Figure, Polygon, and Progmat. Cosmos is the plumbing that lets different financial networks talk to each other, the same way the internet lets different websites connect. It is a foundational piece of infrastructure for the entire blockchain industry. Cosmos is now working to bring the technology to central banks, governments, and large financial institutions across Latin America.

Ethan is now fully focused on solving the problem of how money actually moves between businesses. Cycles is an open, privacy-preserving protocol for multi-party clearing. It maps obligations between participants, finds where they cancel each other out, and settles only the difference. Cycles Pay is built on a decade of research into how financial obligations can clear faster, cheaper, and more privately than traditional finance allows.

Read the full story

Cycles in the press

See what people are saying about what we're building.

The BlockCosmos co-founder's new startup Cycles raises $6.4 million

ForbesWhy Instant Settlement Won't Revolutionize Capital Markets

CCNCycles CEO Says Hidden Liquidity Could Be Unlocked Without Clearing Houses

People already trust Cycles Pay

Here's what our customers have to say about using Cycles Pay.

App Store4.9App Store rating Google Play4.7Google Play rating

“Really impressed by Cycles Pay. Everything feels seamless, you're using blockchain without the usual complexity.”Cedrik Levesque · App Store review

“Excellent app! Finally, a payment app that brings together simplicity and genuine innovation. Transfers are super fast, the UI is clean and modern, and I especially love how private the transactions feel.”Guinch Roze · Google Play review

“Was able to easily send an invoice and get paid in stablecoins, exactly what I needed. The onboarding was very quick too.”Luka Papez · App Store review

“A glimpse into the future. Rapid settlement with total privacy and self custody. It's just the way every payment should be.”Phil RX · Google Play review

“Amazing app, the future of payments is here.”Max F · App Store review