FAQ

What is MS Pay?

MS Pay is a unified financial platform that allows businesses to send, receive, store, and convert both fiat currencies and stablecoins in one place.
‍
We combine traditional payment rails with blockchain infrastructure, giving companies a faster, more flexible way to move money globally.

Who is MS Pay designed for?

MS Pay is built for:
‍
◦ Enterprises operating across multiple currencies
◦ Payment companies and fintechs
◦ Commodity traders and asset managers
◦ Businesses using or exposed to stablecoins
◦ Companies struggling with traditional banking limitations

If your business moves money globally, MS Pay is designed for you.

What makes MS Pay different from a bank or crypto exchange?

MS Pay is neither a traditional bank nor a standalone crypto platform.
‍
Instead, it bridges both worlds:
◦ Named fiat accounts (e.g. USD, EUR, GBP)
◦ Stablecoin wallets
◦ Built-in FX and conversion
◦ Instant settlement infrastructure

You don’t need multiple providers — everything is integrated into one system.

What currencies and assets do you support?

◦ 40+ fiat currencies supported
◦ Major stablecoins (e.g. USDC, USDT)
◦ Multi-chain digital asset support

This allows you to operate globally without friction.

How fast are transactions?

MS Pay enables:
‍
◦ Same-day (T+0) settlement for major currencies
◦ Near-instant stablecoin transfers
◦ Faster cross-border payments compared to traditional banking

Speed is one of our core advantages.

Can I hold both fiat and crypto in the same platform?

Yes.
MS Pay allows you to:

◦ Hold fiat in named accounts (IBAN/vIBAN)
◦ Hold digital assets in secure wallets
◦ Instantly convert between them

All within a single dashboard.

How secure is MS Pay?

Security is built into the core of the platform:
‍
◦ MPC (Multi-Party Computation) wallet technology
◦ No single point of failure for private keys
◦ Multi-user approvals and role-based permissions

This ensures institutional-grade protection for your funds.

Is MS Pay regulated?

Yes — MS Pay operates through regulated entities across multiple jurisdictions:
‍
◦ Virtual Asset Service Provider (VASP) in Jersey
◦ UK FCA Payment Institute license
◦ Registered Money Services Business (MSB) in Canada
◦ Virtual Asset Service Provider (VASP) in Lithuania

What is a vIBAN and why does it matter?

A vIBAN (virtual IBAN) gives your business:
‍
◦ A named account in your company’s name
◦ The ability to send and receive international payments
◦ A seamless way to connect fiat flows with digital assets

It’s your bridge between traditional finance and blockchain.

Can I make payments on behalf of clients or third parties?

Yes.
MS Pay supports:

◦ Third-party payments
◦ Treasury operations
◦ Complex B2B payment flows

This is especially useful for fintechs, brokers, and global businesses.

Do you offer FX and conversion services?

Yes — FX is built directly into the platform.
You can:
◦ Convert between fiat currencies
◦ Convert fiat ↔ stablecoins
◦ Access competitive rates without leaving the platform

How does MS Pay support global payments?

MS Pay integrates multiple payment rails, including:
◦ SWIFT
◦ SEPA
◦ Local payment systems

Combined with blockchain rails, this enables true global coverage with faster settlement.

How large is MS Pay’s operation?

◦ $6B+ processed annually
◦ Global client base
◦ Institutional-grade infrastructure

We are built to handle high-volume, high-value transactions.

How do I get started?

Getting started is simple:
1. Apply for an account
2. Complete onboarding and compliance checks
3. Receive your named accounts and wallets
4. Start transacting immediately

Is onboarding complicated?

No — onboarding is designed to be fast and straightforward.
We combine:
◦ Digital onboarding
◦ Compliance checks
◦ Dedicated support

So you can start operating quickly.

Can MS Pay replace my current banking setup?

For many clients, yes.
‍
MS Pay can replace:
◦ Multiple banking relationships
◦ Separate crypto providers

Frequently Asked Questions - MS PAY

Frequently Asked Questions
- MS PAY