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Seasons Greetings

May your holidays be merry and your money move at light speed. From all of us at YOB Pay, we wish you a season of prosperity, peace, and seamless transactions

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Multi-currency Account with Personal IBAN


One dashboard for over thirty currencies and your own personal IBAN that works everywhere your business or life takes you.

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Instant Virtual Visa Card

Instant Virtual Visa Card

Generate a secure Virtual Visa card the moment you are approved and start shopping online right away.

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Fast SEPA & SWIFT Transfers

Send euros via SEPA in minutes or move large sums globally with SWIFT at rates up to ninety percent cheaper than banks.

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Crypto First Banking

Buy, sell, swap and earn daily wealth on crypto without ever leaving your everyday financial platform.

Explore Crypto
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24/7 Support and Security

Biometric login, TLS 1.3 encryption and live agents ready day and night to keep your money safe.

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Seamless Access to Global Liquidity Through Real World Assets

YOB Pay offers tailored solutions for both individual and corporate accounts, enabling effortless management of digital investments and tokenized assets. With a strong focus on Real World Assets (RWAs), our platform bridges traditional finance with next-generation digital banking, delivering secure and scalable opportunities for growth.

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How to open a YOB Pay account in 3 minutes

One dashboard for over thirty currencies and your own personal IBAN that works everywhere your business or life takes you.

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Hear from our users

Managing multiple currencies was our biggest headache. YOB Pay's multi-currency dashboard with a personal IBAN changed everything. We now handle payments in over 30 currencies from one place. Their SEPA transfers are incredibly fast, and the 90% savings on international transfers significantly improved our bottom line. The instant virtual Visa card is perfect for our remote team.
Sarah Martinez
Sarah MartinezCFO
YOB Pay's focus on Real World Assets and crypto integration is exactly what our investment firm needed. The platform seamlessly bridges traditional banking with digital asset management. The advanced security features, like biometric login and TLS 1.3 encryption, give us complete confidence. Their 24/7 support has been exceptional.
Michael Chen
Michael ChenManaging Partner
Payment processing was a nightmare with our traditional bank. YOB Pay's instant virtual Visa card generation allowed us to start processing online payments immediately. The multi-currency support helped us expand internationally without bureaucracy. We set up everything in literally 3 minutes as promised. We've processed over €2M through their platform without a single issue.
Emma Thompson
Emma ThompsonFounder & CEO

The Gateway to a World of Opportunities

The Gateway to a World of Opportunities

Business Accounts

Fully licensed banking and crypto services with multi-currency IBANs, FX exchange, and seamless digital finance.

Secure Transfers

Fully regulated with reck-time fraud detection, automated AML checks, GDPR compliance, encrypted storage, secure transactions, and multilayer TLS 1.3 security.

Crypto Accounts and Payments

Empowers your business with Crypto cards and Crypto exchange

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We’re here to help. Send us a message and our team will get back to you as quickly as possible.