YOB Pay combines traditional financial solutions with modern digital tools to help individuals and businesses manage their finances effortlessly. Whether you’re sending money, handling crypto, or integrating with your business systems, our services make every transaction smooth and secure.
Our premium business accounts are designed for efficiency and control. You can enjoy ID-verified accounts, multi-user access, and real-time account management. Additionally, our platform supports multiple currencies, instant transfers, and automated payroll. With virtual, businesses can manage payments seamlessly across all channels.
YOB Pay offers secure crypto wallets and crypto-to-fiat spending via a virtual Visa card. You can easily convert between fiat and crypto in real time using our integrated exchange and trading dashboard. This ensures your digital assets are always accessible and ready for payments or transfers.
Sending money is fast and simple. Take advantage of instant SEPA transfers, standard and urgent SWIFT transactions, and automated recurring payments. Furthermore, payroll solutions are streamlined, and internal transfers between YOB Pay users are completely free. This makes managing business and personal finances easier than ever.

Earn passive income by staking ITFIRE tokens. YOB Pay also provides exclusive access to premium financial products and services, helping you grow your wealth efficiently. This way, your money works for you while you focus on your business or personal goals.
Our APIs make integration straightforward for businesses and fintech partners. Use RESTful APIs for financial services, real-time FX and payments APIs, and automated KYC/AML compliance APIs. This ensures your systems stay connected, compliant, and up-to-date without manual effort.