Money should move as freely as information.
Modern value is digital, programmable, and available around the clock. The infrastructure to deploy it across borders has not kept up. BOF Pay is building the rails for the world that replaced the old one.
One account. Every currency.
Built for cross‑border.
A single platform for individuals and businesses to send, receive, hold, and deploy money across borders, with transparent fees and exchange rates close to the mid-market.
Send money
Fast, low-cost transfers to bank accounts and wallets in 40+ currencies, with the real exchange rate up front.
Multi-currency accounts
Hold and convert balances in major currencies. Receive local payments with local account details.
Business payments
Pay suppliers, contractors, and global payroll from one dashboard, with role-based access and audit trails.
Developer platform
Embed BOF Pay payments into your product with a single API, designed for global scale and compliance.
By the numbers
Focused, regulated, and built for the long term.
We are not a bank, and we do not try to be. We focus on doing one thing well, and we treat compliance and customer support as product, not paperwork.
How we are different
We partner with regulated banking institutions for deposit holding, and we operate our own licensed money services entities under regulators including FINTRAC (Canada) and FinCEN (United States), with state money-transmitter licenses where required. That focus means we can offer better rates, transparent fees, faster onboarding, and modern infrastructure, without the overhead and conflicts of interest of full-service banking.
Our values
- Transparency. No hidden fees. No marked-up exchange rates. What you see at quote is what you pay at execution.
- Compliance as a feature. AML, KYC, and sanctions screening are core product, not paperwork.
- Support that picks up. Real people, real response times. Available around the clock when money is in motion.
- Security by design. Encryption in transit and at rest, hardware-backed key management, and continuous monitoring.
Join us
We are hiring thoughtful, rigorous people who care about building financial infrastructure that works for everyone. Send your CV and a short note to info@bofpay.ai. For press, partnerships, and business development, reach out via the contact page or the same email.