One Balance.
Every Payment.
Always Ready.

Via FedNow instant payment or RTP real-time payment, funds arrive in seconds — 24/7/365 including weekends and holidays. ACH takes 1–2 business days. Wire transfer settles same-day if initiated before your bank's wire cutoff. Most companies use FedNow for time-sensitive funding and ACH for routine replenishment.

Yes. Bitwage Balance is held in FBO custody account — For Benefit Of segregated custody accounts at our FDIC-member banking partners. Your balance is never commingled with Bitwage's operating funds and is FDIC-insured up to applicable limits.

Yes. Configure biweekly or monthly schedules and Bitwage auto-generates each run from your contractor roster. The system draws from your pre-funded Balance and routes for dual approval workflow before executing. You get 48-hour pre-run notifications and can pause, modify, or skip any run without affecting the schedule.

Bitwage Balance holds USD. We handle FX conversion at execution — so your team can pay EUR, BRL, MXN, PHP, or any of 60+ currencies from a single USD balance without pre-funding multiple currency accounts. The FX rate lock guarantees the conversion rate at the moment of approval.

Wire-per-run creates a 1–2 day funding lag before every payroll execution. With a pre-funded Balance, funds are already on-platform — the FX rate lock triggers the moment you approve, not when a wire clears 2 days later. Finance teams that pre-fund also reduce the number of banking touchpoints dramatically: monthly balance replenishment instead of weekly wire initiations.

Yes. Bitwage Balance accepts USDC and other stablecoin payments funding for companies that hold crypto treasury. Convert stablecoins to USD within the Balance, then execute contractor or vendor payments in any of 60+ currencies. This is particularly useful for crypto-native companies managing treasury.