How It Works
Oneplatform.Everypayment.
From sign-up to settlement, Y9K Vault handles every step — KYC, conversion, compliance, and payout — so you don't have to.
Connect Your Business
Sign up, complete KYC, and get a stablecoin wallet live in minutes.
Remittance
Easy Transfers
Receive USDT
Instant Payout
Market Price
Merchant Pay
Encrypted
Send USDT
Instant Settlement
Market Price
FX Swap
100% Secure
Swap USDT/USDC
Live Rate
Instant Payment
Money Across Borders
Send USDT or USDC instantly — to any supported market, on any rail.
Settle in Local Currency
Funds received in local currencies: no crypto knowledge needed.
One Wallet. Six Use Cases.
Everythingyourbusinessneedstomovemoney.
Stablecoin rails for payments, treasury, and everything in between.
Send money anywhere.
Arrive in minutes.
Low-cost, near-instant transfers between countries
Convert between currencies with no hidden fees
Hold in digital assets or fiat — your choice
No correspondent bank delays or charges
24/7 availability, instant settlement
Instant Settlement
Low Fees
Cross-Border
Pre-Release Visualization
Send to
United Kingdom
$740.34
equivalent in USDT
Save on Forex Charges
they'll receive
£552.92
equivalent in USDT
Coming Soon!
*Product Visualization, Going Live Soon.
Send within the network. Pay nothing.
Send to any Y9K user instantly, at zero cost
No bank account needed, no minimum amount
Pay to a phone number, wallet, or merchant account
Settled in seconds, not days
Zero Cost
Instant
Wallet-to-Wallet
Zero Fee
Settled in 3.1s
paid amount of
£552.92
to 082 1** ****
Share Receipt
*Product Visualization, Going Live Soon.
Accept anything. Settle in minutes.
Accept digital assets or fiat from customers globally
Settle to merchant in desired currency within minutes
Lower than traditional card costs with competitive FX
QR code payments and paperless invoice support
QR Payments
Auto-Settlement
Low Cost
Notifications
Show less
₦184,320 added to Wallet
now
Customer paid $120.00 in USDT · Settled to your account in NGN · ₦184,320 · Less than 2 mins
£890.00 added to Wallet
4m ago
Customer paid £890.00 via QR code · Settled to your account in USDT · $1,124.30 · Instant
Verification Update Pending
19m ago
Complete KYB to send and receive higher amounts. Takes less than 5 mins.
*Product Visualization, Going Live Soon.
Receive payments like a local, from anywhere.
Get a named account in USD, GBP, EUR, AED, KES, ZMW and more
Receive payments in local currency from customers abroad
No need to set up a legal entity in each country
Connected to major global rails including SWIFT and SEPA
Multi-Currency
Named Accounts
Global Reach
*Product Visualization, Going Live Soon.
Your Multi Currency Account
IBAN: US28 Y9KV **** **** **** 22
Copy IBANs
Your balance, earning by the second.
Hold digital assets and earn yield in real time
Institutional-grade returns on your treasury
No lock-in periods, withdraw anytime
Supports USDT, OUSD, USDC and more
Passive Yield
Treasury
Digital Assets
*Product Visualization, Going Live Soon.
$2.18 yield earned today
$24.8k
4.2% APY
Features
Paymentsinfrastructure,finallydoneright.
One API. Multi-stablecoin rails, fiat conversion, compliance — all handled.
Transferring…
Done in 2.1s
Send
Receive
Transfer
Pay
Local Payment Networks
Yourmoney,onrailspeoplealreadyuse.
Send and receive directly through mobile money and local banking networks —
no crypto knowledge needed on either end.
East Africa's largest mobile money network. Send to any number/till instantly.
Reach millions of wallets across East and Central Africa with a single payout.
Direct inter-bank transfers across all major banks. No delays, no middlemen. Simple Transfers
Central bank-grade settlement for large-value transfers. Final, secure, institution-level.
Built on infrastructure you can trust.
SOC 2 Type II
ISO 27001
PCI DSS Level 1
GDPR Compliant
For Developers
OneAPI,foreverymoneymovement.
Stablecoin rails, fiat conversion, and multi-currency accounts — all accessible through a single, clean integration. Ship in days, not months.
Explore API Integrations
Licensed & Regulated
Y9K Vault operates under financial licenses across all supported markets — every transaction is fully compliant by default.
KYC & AML Built-in
Automated identity verification and transaction monitoring on every account. Compliance handled, so you don't have to.
Bank-Grade Security
End-to-end encryption, multi-sig custody, and 24/7 fraud monitoring — built to institutional standards.
Into the Details
Understandthenewwaymoneymoves.
Guides, explainers, and insights on stablecoins, cross-border payments, and digital finance.
