Copilot Pay
Fastest, simplest off‑ramp

The all‑in‑one crypto off‑ramp.

Deposit crypto → USD instantly. Tap‑to‑pay with Apple/Google Pay or cash out via Cash App, Venmo, Zelle, PayPal, RTP/FedNow, Interac, and wires — always with a transparent quote.

Create account See how it works
INSTANTDeposit → tap‑to‑pay
Apple Pay + Google PayUse anywhere contactless is accepted
Transparent feesSee it before you send

Deposit crypto → USD balance

Unique addresses on multiple chains. Funds auto‑convert to a spendable USD balance.

Virtual debit card

Instant issuance. Add to Apple Pay & Google Pay for tap‑to‑pay anywhere.

Cash out your way

Cash App, Venmo, Zelle, PayPal, RTP/FedNow, Interac, and bank wires.

Bill pay

Pay utilities and other bills directly from your balance.

Gift cards

Turn balance into gift cards for hundreds of brands.

Fast. Simple. Cheap.

Streamlined flows with clear quotes before you confirm.

How it works

1
Deposit crypto
Send BTC, ETH, or stablecoins to your unique address.
2
Instant convert
We auto‑convert to USD immediately and issue your virtual card on the spot.
3
Spend or cash out
Use Apple/Google Pay for tap‑to‑pay, or send via Cash App, Venmo, Zelle, PayPal, RTP/FedNow, Interac, wire, bill pay, or gift cards.
Apple PayGoogle Pay RTP / FedNowInterac Cash AppVenmo ZellePayPal WireBill Pay Gift Cards

Bank rails

Visa Direct
Mastercard Send
RTP / FedNow
Interac (CA)
ACH
Wire
PayPal
Venmo

Rails availability varies by region and partner.

Compliance tiers

Tier 0 — No KYC
InfoEmail only
VerificationNone
Limits$300/day · $1,000/month
Use caseCasual / test users
Tier 1 — Light KYC
InfoName, DOB, Address, Phone
VerificationOFAC / sanctions screen
Limits$3,000/day · $10,000/month
Use caseFast onboarding, minimal cost
Tier 2 — Full KYC
InfoGov ID + Selfie, SSN (US) / SIN (CA)
VerificationID, sanctions, fraud databases
Limits$10,000/day · $20,000/month
Use casePro users, affiliates
Tier 3 — Enhanced / Business
InfoBiz docs (incorp, EIN), proof of address, directors
VerificationFull AML / BSA review
Limits$50,000+/day · monthly case-by-case
Use caseEnterprises & large payout partners

Spend it your way

Apple Pay Virtual card
Google Pay Virtual card
Cash App P2P payout
Venmo P2P payout
Zelle Bank push
PayPal Wallet payout
Wire Domestic & intl
Bill Pay Utilities, more
Gift Cards Hundreds of brands

FAQ

How fast can I spend after depositing crypto?

Typically minutes. Your USD balance is available as soon as your deposit clears and converts—card works instantly with Apple Pay & Google Pay.

Which rails do you support?

Visa Direct, Mastercard Send, RTP/FedNow, Interac (CA), ACH & wires, plus Cash App, Venmo, and PayPal.

What are the fees?

Transparent quotes before you confirm. We target cheaper & faster than the big names.

Do I need a physical card?

No. We issue a virtual debit card you can add to Apple Pay or Google Pay immediately.

* Feature availability varies by region and partner.