Elliot
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Empower your neo bank or crypto bank with a single, fully customizable SDK for embedded wallets, instant USDC transfers via tags, on/off-ramp with virtual bank accounts (USD & EUR), and Tap 2 Pay for seamless in person transactions all at industry leading rates.
Why NeoBanks and CryptoBanks Need Tilt Pay
Today’s neo banks and crypto banks face critical challenges:
High fees (1–3%) from traditional networks (Visa, Mastercard, SWIFT).
Slow settlements (24–72 hours) for cross-border transactions.
Complex integrations with multiple providers (wallets, on/off-ramp, card payments).
Limited branding control due to third-party dependencies.
Tilt Pay solves this with a single, white-label SDK that lets you:
Embed non-custodial wallets directly into your app.
Orchestrate stablecoin transfers instantly and for free via unique tags
On/Off-ramp fiat (USD & EUR) with nominal virtual bank accounts for seamless deposits/withdrawals.
Enable Tap 2 Pay for in person transactions on any NFC enabled terminal no Visa or Mastercard dependency.
White-label everything your brand, your UX, your terms.
One SDK, Endless Possibilities
Tilt Pay’s white-label SDK is designed for neo banks and crypto banks that want to own their payment stack without the complexity. Here’s what you get:
1. Embedded Wallets (Non-Custodial)
Fully customizable wallets that integrate seamlessly into your app.
Non-custodial: Users control their private keys (you avoid custody risks).
Gas fee sponsorship: Option to cover all network fees for your users.
Flexible authentication: Email, phone, or 2FA via SMS for each login.
Easy integration: Just a few lines of code to embed wallets into your platform.
For whom?
NeoBanks looking to offer crypto wallets alongside traditional accounts.
CryptoBanks that want to expand beyond crypto with fiat on/off-ramp.
Fintech apps needing secure, user-controlled wallets.
2. Stablecoin Orchestration
Send USDC (on Solana) instantly using unique tags
No blockchain addresses needed just a tag.
Free and instant: No network fees, no delays.
Sync with contacts: Users can send funds to anyone in their address book.
For whom?
Social payment apps (e.g., Telegram, WhatsApp) adding crypto payments.
P2P platforms (e.g., Venmo, Cash App) reducing transfer costs.
Marketplaces enabling instant settlements between buyers and sellers.
3. On/Off-Ramp with Virtual Bank Accounts (USD & EUR)
Convert USDC ↔ USD/EUR in real-time.
Virtual bank accounts: Each user gets a unique IBAN for deposits/withdrawals.
Seamless bank integrations: No need to build your own banking relationships.
Competitive fees: between 100 bps and 30 bps
For whom?
NeoBanks offering multi-currency accounts.
CryptoBanks enabling fiat gateways for their users.
Fintechs targeting international freelancers working with US/EU companies.
Travel apps helping users avoid high FX fees.
4. Tap 2 Pay: Pay Anywhere
Turn smartphones into payment cards works on any NFC enabled terminal.
No physical card required: Users pay with their phone.
Works everywhere: at merchants (restaurants, stores), on mobile POS terminals (festivals, markets), Peer-to-peer (between friends or a charitable organization).
Low fees: between 75 bps and 30 bps. These charges are billed to the person receiving the payment. For the person making the payment, there is no charge at all.
For whom?
Merchants wanting to accept payments without high card fees (vs. Visa/Mastercard’s 1.5–3%).
Event organizers (festivals, concerts) needing fast, contactless payments.
Tourist destinations accepting payments from Western customers without a POS terminal.
Transparent, Flexible Pricing for Every Stage
Tilt Pay offers tiered pricing to fit any size of company, from startups to large institutions.
Features | Launch | Growth | Enterprise |
|---|---|---|---|
Pricing & Core Fees | |||
Monthly minimum fee | $0 | $2,500 | $5,000 |
Active user fee (monthly) | $1.25 | $1.15 | |
Tap to Pay processing | 75 bps | 60 bps | |
On/Off-ramp fees | 85 bps | 60 bps | |
KYC verification (per user) | $1.20 | $1.10 | |
Infrastructure & Wallets | |||
Embedded Wallets (non-custodial) | ✅ Included | ✅ Included | ✅ Included |
Virtual Bank Accounts (USD & EUR) | ✅ Included | ✅ Included | ✅ Included |
Stablecoin Orchestration | ✅ Included | ✅ Included | ✅ Included |
Automation Policies | ✅ Included | ✅ Included | ✅ Included |
Global Expansion & Yield | |||
Payout in 17 local currencies | ❌ Not available | ✅ Included | ✅ Included |
Yield(coming soon) | ❌ Not available | ✅ Included | ✅ Included |
Security & Support | |||
2FA & SMS Authentication | ✅ Included | ✅ Included | ✅ Included |
Gas fees sponsorship | ✅ Included | ✅ Included | ✅ Included |
Technical Support | Dedicated Slack | Dedicated Slack |
Our pricing is designed to support startups from launch by saving them precious development time, so they can focus on customer acquisition. It also scales to meet their needs as they grow.
Why Choose Tilt Pay Over Rain, Bridge ?
Unlike Rain and Bridge, Tilt Pay operates its own payment network, allowing us to reduce fees significantly. We don’t rely on Visa or Mastercard, which means you get lower costs and more control.
Feature | Tilt Pay | Rain | Bridge |
|---|---|---|---|
All in one SDK | ✅ Yes (Wallets, On/Off-Ramp, Tap 2 Pay, Stablecoins) | ❌ Multiple integrations required | ❌ Multiple integrations required |
White Label Customization | ✅ Fully customizable for free | ⚠️ Limited and paid | ⚠️ Limited and paid |
Virtual Card | ✅ 0 fees | ⚠️ Various fees | ⚠️ Various fees |
Stablecoin Orchestration | ✅ Free & Instant | ⚠️ Charged per transaction | ⚠️ Charged per transaction |
Dynamic Developer Fees for Cards & Virtual Accounts | ✅ Yes | ✅ Yes | ✅ Yes |
Virtual Bank Accounts (USD/EUR) | ✅ Yes | ✅ Yes | ✅ Yes |
Multi-Currency Payouts | ✅ 17+ currencies | ❌ No | ❌ No |
Minimum monthly transaction fee | ✅ 0$ for the launch plan | ❌ Yes | ❌ Yes |
FAQ
What is the main difference between Tilt Pay and other solutions?
The main difference between Tilt Pay and other solutions is that Tilt Pay has its own payment network with its own cards, we do not rely on visa or mastercard. This allows us to drastically reduce fees and offer you extremely competitive rates. In contrast, Rain and Bridge offer debit cards provided by Visa or Mastercard, which means higher fees and less control.
Who is Tilt Pay for?
Tilt Pay is designed for neo banks, crypto banks, and fintechs that want to:
Offer embedded wallets (non-custodial).
Enable instant, free USDC transfers via tags.
Provide On/Off-Ramp for USD/EUR.
Support Tap 2 Pay for in-person transactions.
What stablecoins and fiat currencies are supported?
Stablecoins: USDC on Solana (more coming soon).
Fiat: USD & EUR for on/off-ramp. 17+ local currencies for payouts (Growth+ tiers): USD, EUR, NGN, ZAR, KES, GHS, BRL, MXN, ARS, INR, IDR, PHP, CAD, JPY, SGD, COP, CLP.
How long does integration take?
Full SDK integration takes between 1 and 2 days at most. During the integration process, a member of our technical team will guide you and be available to assist you if you encounter any issues.
What are the fees for small volumes?
Tilt Pay is designed to support projects from day one with no commitment and no minimum fees. For example, our Launch Tier includes:
$0 monthly minimum
75 bps for Tap 2 Pay
85 bps for On/Off-Ramp in USD and EUR
$1.25/user/month
Can I test Tilt Pay before committing?
Yes, you can contact us here to request a demo, and we'll send you access to our sandbox so you can test our product.
Which POS terminals are compatible with Tap 2 Pay?
All Android POS terminals (PAX, Sunmi, Ingenico, bbpos, etc.).
All iPhones and Android phones equipped with NFC.
If you want to see exactly what it looks like, you can also download the Tilt Pay app to see an example of the various features available.