Self-custody on-chain banking.

Real IBANs, Routing Numbers and cards - powered by your crypto with real‑time FX and zero hidden fees.

Banking services provided by regulated partners

Karma Pay App Interface

Trusted by leading protocols across the Solana ecosystem.

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Features

On/off-ramp without the ramp

Create virtual IBANs and US routing numbers, move between crypto and bank in seconds, and settle with real-time FX.

  • Virtual accounts (IBANs + US routing)

    Generate account details in-app to receive and send to bank rails worldwide.

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  • Instant crypto ↔ bank

    Off-ramp USDC to your IBAN in seconds; Same-day ACH and SEPA Instant where supported.

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  • Compliant by design

    KYC with Bridge, regulated banking partners, and continuous monitoring built in.

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Karma Pay App Features
Why switch?

Compliance-grade rails, wallet-native UX

Operate on bank rails with predictable costs and clear timelines, all without giving up self-custody.

  • Transparent pricing

    0.25% per swap (vs 1-3% on CEXs). Zero FX spread. No monthly fees.

  • Predictable payouts

    Know exactly when your money lands. Instant or next-day settlement, every time.

  • Bank-grade compliance, built in

    Verified through Bridge with clear onboarding. Your funds stay protected and compliant.

  • Extensive coverage

    Our rails cover 220+ countries and territories.

Instant on/off-ramp. Zero commitment.

Create IBANs and US routing numbers, move between crypto and bank in seconds, and pay only per conversion.

Karma Pay Use Case - Instant crypto to bank transfers

Give your Phantom banking powers

Create IBANs and routing numbers, off-ramp in seconds, real-time FX.