Getting paid from abroad shouldn’t feel like a workaround.

Yet for millions of freelancers, students, and families, receiving money from clients or loved ones overseas still means high fees, long delays, or relying on platforms that weren’t built with them in mind.

MiniPay is changing that. Soon, users will be able to create virtual USD and EUR accounts, receive payments via ACH or SEPA, and have those funds land directly in their MiniPay wallet—instantly converted into stablecoins like USDT, USDC, and cUSD, ready to use.

This is what stablecoins were meant for: making money move faster, cheaper, and without borders.

A Seamless way to get paid^* without borders

Whether you're a software engineer working remotely from Lagos with a US-based client,  a freelance designer from South Africa or a student in Brazil whose family supports you from Berlin, the logic is the same: you should be able to pay and get paid like anyone else, without needing a foreign bank account.

With virtual accounts in MiniPay:

• You’l be able to receive traditional bank transfers  from the US and EU just like a local (with your own account and routing numbers)
• Funds will be converted automatically into stablecoins like USDT, USDC, and cUSD and settle directly into your MiniPay wallet
• Everything is converted to stablecoins, instantly and transparently
• You can spend using Mini Apps or withdraw to local currency using familiar methods in over 50 countries

Powered by Noah

This update is made possible through our partnership with Noah, whose global payment infrastructure will power both virtual account creation and settlement.

This isn't just about new features — it’s about removing friction for people who’ve long been underserved by global finance. Existing platforms built for freelancers or gig workers often work well in the US or EU, but for users elsewhere, they bring added complexity: local intermediaries, steep FX fees, and slow settlement times.

Virtual accounts in MiniPay are built for borderless income and instant access, so users can finally receive and use their earnings the way they want.

To the user, it just feels simple: get paid, see your balance update, and keep moving.

How to get a virtual US or EU account in MiniPay

This feature is rolling out soon, but you can already join the waitlist in-app.

Just open MiniPay, tap Deposit, and hit “I’m Interested” under Virtual Accounts. You’ll be first in line when it goes live.

With MiniPay’s virtual USD and EUR accounts, freelancers and remote workers receive USD or EUR payments globally, using ACH or SEPA transfers. It’s the ideal solution for anyone seeking borderless income, stablecoin salary payments, or a way to get paid internationally without high fees.

Get paid in dollars. Withdraw instantly.

MiniPay lets you receive stablecoins like USDT and withdraw to local currency instantly—with zero fees.*

Try MiniPay

FAQS 

Who can use MiniPay virtual accounts?
Anyone in a supported country using MiniPay can open a virtual USD or EUR account once the feature is live.

What types of payments can I receive?
MiniPay virtual accounts will support ACH (US), and SEPA (EU) transfers.

Is this a bank account?
No, it’s a virtual receiving account powered by licensed financial institutions. Your funds are converted to stablecoins in MiniPay.

How do I join the waitlist?
Open MiniPay, tap Deposit, and select “I’m Interested” under Virtual Accounts to get notified when the feature launches.

Can I withdraw my funds locally?
Yes. Once funds land in MiniPay, you can convert to local currency and withdraw using available local payment methods.

Are there fees?
MiniPay aims to keep fees low and transparent. Full details will be shared at launch.

What are stablecoins and why are they used here?
Stablecoins like USDC are digital assets pegged to fiat currencies. They allow instant conversion and global use without banking delays. Read our guide to stablecoins

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