# Safewire

> Safewire is stablecoin-native No-Custodian Banking: instant account-to-account settlement, self-custodial merchant and consumer accounts, and payments that cost a fraction of card and bank rails — 24/7/365, worldwide.

Safewire is a stablecoin-native "No-Custodian Banking" platform for merchants and consumers.
Unlike banks, Safewire never holds customer funds: accounts are self-custodial, and merchant
treasuries live in Safe{Core}(TM) multi-signature smart-contract vaults that only the merchant
controls. Payments settle account-to-account in real time, 24/7/365, worldwide.

Key facts:
- Merchant transaction fee: 0.5%; no transaction fees for customers; no FX or conversion commissions
- No chargebacks on payments received; no fixed monthly or minimum fees
- 17 EVM & non-EVM chains, 20+ stablecoins, 150+ currencies, 100+ payment methods
- 50+ fiat currencies and 200+ local payment routes through partners
- Regions: EU, USA, Canada, APAC, LATAM, Africa
- Currency services provided by Safewire Payments Ltd, a Canadian regulated Money Services
  Business (FINTRAC #M23442840)

## Pages

- [Home](https://safewire.world/): platform overview
- [Merchant Services](https://safewire.world/merchants): Pay at Counter, Pay Online, Disburse (wages & suppliers), white-label
- [What you'll need to onboard](https://safewire.world/merchants/requirements): interactive KYB Level 1 document checklist by country and business type — live for Canada, the Cayman Islands, Sint Maarten, and Saint-Martin; merchants elsewhere can register interest — plus wallet device requirements
- [Consumer Services](https://safewire.world/consumers): Safewire NCB Wallet, Safewire NCB Lite, debit cards
- [Passes, Offers & Ticketing](https://safewire.world/ticketing): merchants issue offers, event tickets, coupons, and memberships as W3C Verifiable Credential passes held in the customer's wallet and verified by any staff member on a Safewire terminal
- [Why Safewire](https://safewire.world/why-safewire): stablecoin-native vs add-on approaches, five-year track record
- [Company](https://safewire.world/company): legal entities and regulatory status
- [Contact](https://safewire.world/contact): hello@safewireworld.com

## Legal & compliance

- [Privacy Policy](https://safewire.world/legal/privacy): including the Text Message Service privacy policy
- [Consumer Terms & Conditions](https://safewire.world/legal/consumer-terms)
- [Merchant Services Terms & Conditions](https://safewire.world/legal/merchant-terms)
- [AML & CTF Policy](https://safewire.world/legal/aml-ctf)
- [Google OAuth Permissions & Privacy Policy](https://safewire.world/legal/google-oauth)
- [SMS Verification Opt-In](https://safewire.world/sms-opt-in): how users consent to receive SMS verification codes (carrier opt-in evidence)