The stablecoin account for you and your business.

Hold stablecoin, earn yield while it sits, and pay anyone in seconds, entirely privately. Invoicing, credit, fiat onramps, and savings accounts in one app.

pay.cycles.money

Web and mobile

We raised$8.7M

Users rate us4.9 ★

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

EarnMove your balance into savings and earn yield 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.

Savings accountsChoose a savings account by risk level and earn yield daily. Pay straight out of savings, with no need to unwind a position first. Your balance stays liquid, with no lock-up and no dormancy fees.

Virtual bank accountsGet a virtual bank account number to receive fiat and convert it to stablecoins when needed. Transfer out to another bank account and it converts back to fiat 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 invoices and payments, and view transaction history, whether you're at home or on the go.

pay.cycles.money

Two accounts, one app

PersonalFor your everyday moneySpend, settle, save, and lend to friends

Split expenses and settle in appJoin or create a savings circleLend money and earn interestRefer 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 incoming receivables

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

Better than a wallet, better than a bank

A crypto walletA bank

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

Idle balancesEarn yield daily, spendable at any momentEarn nothing unless you manage DeFi positionsMinimal return in savings accounts, often locked

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

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

FeesNo feesGas feesMaintenance and transactions fees

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 banks allow.

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

Businesses already trust Cycles

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

App Store4.9App Store rating Google Play4.8Google Play rating

“We opened the account in a day and now pay suppliers without setting foot in a bank.”Carolina M. · Materials distributor · Bogotá

“Support replies on WhatsApp within minutes. You can tell they know SMBs.”Andrés R. · Construction company · Medellín

“Finally a finance app that doesn't waste my time on paperwork.”Paula G. · Transport & logistics · Cali

“We use it for team payouts every week. Simple and reliable.”Julián T. · Wholesale trade · Barranquilla

“We opened the account in a day and now pay suppliers without setting foot in a bank.”Carolina M. · Materials distributor · Bogotá

“Support replies on WhatsApp within minutes. You can tell they know SMBs.”Andrés R. · Construction company · Medellín

“Finally a finance app that doesn't waste my time on paperwork.”Paula G. · Transport & logistics · Cali

“We use it for team payouts every week. Simple and reliable.”Julián T. · Wholesale trade · Barranquilla

Frequently asked questions

What people ask us most before starting. Missing yours? Message us.

Your funds sit in a shielded pool. Balances are held as encrypted data rather than public addresses, and payments are proven valid with zero-knowledge proofs. An observer can see that activity happened, but not who paid whom, how much, or what anyone holds.

Try it out now

Open an account in seconds. No KYC. Works worldwide.