Pay Locally.
Spend Crypto
Globally.
9:41
Pay
Locally
Get started
9:41
How's it going
Haley
Add Your New Card
**** **** **** 3241
Total Balance
$214,453.00
Transfer
Request
Savings
Contact
History Transaction
See All
Abode Photoship
Jan 21 2025 . 04:44 PM
$19
Figmer
Jan 18 2025 . 11:11 AM
$15
9:41
Transfer Money
Haley Baylee
1234 - 5678 - 9012 - 3456
$44,000
Add Note (Optional)
What is Ownly?
Ownly is a self-custodial wallet that lets you spend crypto through local payment systems — without needing a bank account.
Load stablecoins
Pay instantly
Scan local QR codes
Merchants receive fiat
You keep control.
Simple by design
1 — Fund
Keep USDT or USDC in your wallet
2 — Scan
Use any local payment method or QR
3 — Pay
Confirm the amount and complete the transaction
No extra steps. No friction.
Pay Now
Crypto, made useful.
Crypto shouldn’t stop at your wallet. Ownly connects your stablecoins to the payment systems people already use every day — so you can spend globally without changing how local payments work.
Your assets stay yours. The payment feels local.
Stablecoins
You hold
Ownly
Connects
Local payment
They pay
OWNLY PAYMENTS
One wallet. A world of payments.
Ownly removes the complexity between digital assets and everyday transactions.
Pay with stablecoins
Use supported stablecoins for real-world purchases without manually converting to local currency.
Local payment networks
Ownly connects with existing payment infrastructure, allowing payments to work through familiar local methods.
Know what you spend
See the amount, conversion and payment details before confirming every transaction.
Keep control
Ownly is designed around self-custody. Your funds remain under your control.
Pay with stablecoins. They get paid in local currency.
The answers before your first payment. How does it work? What happens to your funds? What rate will you get?
Scan. Pay. They get local money.
Hold stablecoins. Scan a supported local QR code, review the payment details, and confirm. Ownly Pay connects the payment to the local network so the merchant receives local currency where supported.
Fast, transparent local settlement
Payment
You pay
25.00
USDC
On Ethereum
Merchant receives
625,000
VND · Vietnamese Dong
Review payment
Merchant received local currency
Processed through Ownly Pay
Bring the assets you already hold.
You don’t need to start from zero. Fund your Ownly wallet with supported stablecoins from a compatible wallet or exchange, then use them for supported payments.
Wallet
→
Ownly
→
Local Payment
Deposit
Transfer supported stablecoins into your wallet.
Spend
Pay through supported local payment networks.
Built for local payments.
Connect to the payment methods people already use. Ownly Pay bridges digital assets with supported local payment infrastructure.
Your assets stay yours.
Ownly Pay is built around self-custody. Your supported digital assets remain under your control while Ownly handles the payment connection.
YOUR WALLET
Your assets.
Your control.
Your wallet
Your assets. Your control.
Ownly Pay
The payment layer.
Local network
Local settlement.
Keep more of your money when you pay abroad.
No ATM hunt. No unnecessary cash withdrawals. See the applicable conversion rate before you confirm and pay directly from your supported stablecoins.
The extra cost of paying abroad, without the extra friction.
A $50 dinner
With your card
$50 + foreign exchange markup*
$51.00
With Ownly Pay
$50 + applicable Ownly Pay fees*
$50.00
Where it works
The world, connected to your wallet.
The world, connected to your wallet.
Ownly connects your wallet to local payment networks across the world.
Ownly connects your wallet to local payment networks across the world.
Available in
01
Vietnam
Pay through supported local payment rails.
Explore guide →
02
Brazil
Use supported local payment networks with stablecoins.
Explore guide →
03
Philippines
Pay through supported QR payment infrastructure.
Explore guide →
04
Argentina
Spend digital assets through supported local payments.
Explore guide →
More markets. More payment networks. Coming soon.
View all supported markets →
Before You Go
Know the payment before you arrive.
Know the payment before you arrive.
Local payment methods vary from country to country.
Explore how Ownly works in each market.
Local payment methods vary from country to country.
Explore how Ownly works in each market.
Explore payment guides →
Explore payment guides →
Ownly
Ownly
🇻🇳 Vietnam
Paying in Vietnam
Understand local QR payments, supported networks, and what to expect at checkout.
Explore guide →
🇧🇷 Brazil
Paying in Brazil
A practical guide to using local payment infrastructure with Ownly.
Explore guide →
🇵🇭 Philippines
Paying in the Philippines
Learn how local QR payments work and how Ownly fits into the experience.
Explore guide →
🇦🇷 Argentina
Paying in Argentina
Everything you need to know before making your first local payment.
Explore guide →
LOCAL PAYMENT NETWORKS
Built around the
payments people already use.
You shouldn’t have to teach the world how to accept crypto. Ownly works with existing payment infrastructure to make crypto usable in everyday transactions.
Local rails. Global assets. One experience.
COMING SOON
COMING SOON
COMING SOON
Ownly around
the world
Pay anywhere. Feel local.
Connecting crypto to real-world payment rails.
Not a bank. Not an exchange. A payment layer.
Not a bank. Not an exchange. A payment layer.
Ownly doesn’t ask you to move your money into another financial system just to spend it. It connects your wallet directly to the payment infrastructure around you.
Ownly doesn’t ask you to move your money into another financial system just to spend it. It connects your wallet directly to the payment infrastructure around you.
01 — HOLD
Hold your assets.
02 — CHOOSE
Choose where they go.
03 — CONTROL
Stay in control.
Self-custodial by default
Stablecoin-based payments
Instant local settlement
Works with existing payment systems
Travel. Earn globally. Spend locally.
Travel. Earn globally. Spend locally.
Download the app. Start paying with crypto.
Download the app. Start paying with crypto.
Download. Deposit. Pay.
9:41
Pay
Locally
Get started
9:41
How's it going
Haley
Add Your New Card
**** **** **** 3241
Total Balance
$214,453.00
Transfer
Request
Savings
Contact
History Transaction
See All
Abode Photoship
Jan 21 2025 . 04:44 PM
$19
Figmer
Jan 18 2025 . 11:11 AM
$15
9:41
Transfer Money
Haley Baylee
1234 - 5678 - 9012 - 3456
$44,000
Add Note (Optional)
9:41
Payer
Borderless Payments
Get started
9:41
Pay
Locally
Get started
9:41
How's it going
Haley
Add Your New Card
**** **** **** 3241
Total Balance
$214,453.00
Transfer
Request
Savings
Contact
History Transaction
See All
Abode Photoship
Jan 21 2025 . 04:44 PM
$19
Figmer
Jan 18 2025 . 11:11 AM
$15
9:41
Transfer Money
Haley Baylee
1234 - 5678 - 9012 - 3456
$44,000
Add Note (Optional)
9:41
How's it going
Haley
Add Your New Card
**** **** **** 3241
Total Balance
$214,453.00
Transfer
Request
Savings
Contact
History Transaction
See All
Abode Photoship
Jan 21 2025 . 04:44 PM
$19
Figmer
Jan 18 2025 . 11:11 AM
$15
9:41
Transfer Money
Haley Baylee
1234 - 5678 - 9012 - 3456
$44,000
Add Note (Optional)
9:41
Pay
Locally
Get started
9:41
How's it going
Haley
Add Your New Card
**** **** **** 3241
Total Balance
$214,453.00
Transfer
Request
Savings
Contact
History Transaction
See All
Abode Photoship
Jan 21 2025 . 04:44 PM
$19
Figmer
Jan 18 2025 . 11:11 AM
$15
9:41
Transfer Money
Haley Baylee
1234 - 5678 - 9012 - 3456
$44,000
Add Note (Optional)
9:41
Payer
Borderless Payments
Get started
9:41
How's it going
Haley
Add Your New Card
**** **** **** 3241
Total Balance
$214,453.00
Transfer
Request
Savings
Contact
History Transaction
See All
Abode Photoship
Jan 21 2025 . 04:44 PM
$19
Figmer
Jan 18 2025 . 11:11 AM
$15
9:41
Transfer Money
Haley Baylee
1234 - 5678 - 9012 - 3456
$44,000
Add Note (Optional)
9:41
Pay
Locally
Get started
9:41
How's it going
Haley
Add Your New Card
**** **** **** 3241
Total Balance
$214,453.00
Transfer
Request
Savings
Contact
History Transaction
See All
Abode Photoship
Jan 21 2025 . 04:44 PM
$19
Figmer
Jan 18 2025 . 11:11 AM
$15
9:41
Transfer Money
Haley Baylee
1234 - 5678 - 9012 - 3456
$44,000
Add Note (Optional)
9:41
Payer
Borderless Payments
Get started
9:41
How's it going
Haley
Add Your New Card
**** **** **** 3241
Total Balance
$214,453.00
Transfer
Request
Savings
Contact
History Transaction
See All
Abode Photoship
Jan 21 2025 . 04:44 PM
$19
Figmer
Jan 18 2025 . 11:11 AM
$15
9:41
Transfer Money
Haley Baylee
1234 - 5678 - 9012 - 3456
$44,000
Add Note (Optional)
Download the app Start
paying with crypto
Download. Deposit. Pay.
OWNLY SUPPORT
Frequently Asked Questions
Everything you need to know about paying with Ownly.
Pay Locally.
Spend Crypto
Globally.
9:41
Pay
Locally
Get started
What is Ownly?
Ownly is a self-custodial wallet that lets you spend crypto through local payment systems — without needing a bank account.
Load stablecoins
Pay instantly
Scan local QR codes
Simple by design
1 — Fund Keep USDT or USDC in your wallet 2 — Scan Use any local payment method or QR 3 — Pay Confirm the amount and complete the transaction
Load stablecoins
Pay instantly
Scan local QR codes
Crypto, made useful.
Crypto shouldn’t stop at your wallet. Ownly connects your stablecoins to the payment systems people already use every day — so you can spend globally without changing how local payments work.
Your assets stay yours. The payment feels local.
Stablecoins
You hold
Ownly
Connects
Local payment
They pay
Built around the payments
people use.
Ownly around the world
Pay anywhere. Feel local.
Connecting crypto to real-world payment rails.
Mia Delaney
Freelance Designer
Payer has completely transformed how I handle transactions. The speed and simplicity are unmatched, and I love how secure every transfer feels. I no longer worry about hidden fees or delays—just seamless payments every time!
Zara West
E-commerce Founder
I’ve tried countless payment apps, but Payer truly stands out. The intuitive interface makes it incredibly easy to send and receive payments, even across different currencies. What I love most is the transparency—no hidden fees.
Maverick Stone
Financial Consultant
As someone who deals with large transactions daily, I need a payment platform that is both secure and efficient. Payer exceeds expectations with its high transfer limits, bank-grade encryption, and real-time processing.
9:41
Pay
Locally
Get started
9:41
Pay
Locally
Get started
9:41
Transfer Money
Haley Baylee
1234 - 5678 - 9012 - 3456
$44,000
Add Note (Optional)
9:41
Pay
Locally
Get started
Download the app Start
paying with crypto
Download. Deposit. Pay.