Pre-Fund Once.
Pay Instantly.
Lock Every Rate.

The {{link:products/balance}} acts as a pre-funded treasury. Companies deposit USD via ACH bank transfer, wire transfer, FedNow instant payment, or RTP real-time payment. From that balance, the platform converts to destination currencies at the locked FX rate when a payment run is approved. There is no delay between funding and payout capability — Balance is always ready.

The FX rate lock guarantees the exchange rate shown at payment approval time — not the rate at settlement time. On large payroll runs, even a 0.1% FX movement can mean thousands of dollars in unexpected cost. Rate lock eliminates that variance entirely and makes international payroll costs predictable. Read more in our FX rate lock guide for international payments.

Both FedNow instant payment (Federal Reserve) and RTP real-time payment (The Clearing House) deliver funds to Bitwage Balance in under 30 seconds, 24/7/365 — including weekends and bank holidays. This means a payroll run approved on Friday night can be funded and executed before Monday morning without any manual intervention.

The {{link:products/balance}} supports USD-denominated float with on-demand conversion to 30+ payout currencies at the time of each payment run. Currency conversion happens at approval using the locked FX rate. This eliminates the need to pre-purchase foreign currency and manage separate foreign-currency bank accounts.

Client funds are held in FBO custody account (For Benefit Of) segregated accounts — separate from Bitwage operating capital. The dual approval workflow workflow requires two authorized signers for payments above configurable thresholds. Full audit logs, IP-based access controls, and real-time transaction monitoring protect every treasury operation.