# Easner > Easner is a global financial technology platform for personal and business banking. Manage everyday finances, hold multiple currencies, receive payments, and pay people and businesses in the US and around the world. Banking and payment services are provided by licensed partners. Easner is not a bank. ## What Easner is Easner has two core products: Easner Personal Banking and Easner Business Banking. Personal Banking covers accounts, cards, and sending and receiving money. Business Banking brings accounts, payment collections, cards, and payouts together, including Invoicing, Checkout, Payment Links, and Payroll. Partners and developers can build with Easner through branded programs and APIs. Dedicated pages explain each capability. ## Who Easner is for - **Personal customers:** People managing everyday finances, receiving payments, and sending money to people and businesses, at home in the US and around the world. - **Business customers:** US startups, small businesses, and established companies, as well as businesses operating globally. Easner brings accounts, customer payments, invoicing, team payments, and reporting into one dashboard. - **Partners and developers:** Companies building branded financial products or embedding accounts and payments through Easner's infrastructure and APIs. Easner accepts personal and business signups from most countries worldwide. Account and product availability depend on verification, jurisdiction, approval, and partner rules. The KYC/KYB and AML Policy lists restricted jurisdictions. ## Products - [Download Easner](https://www.easner.com/app): Get the iOS or Android app. Mobile visitors are directed to the relevant app store; desktop visitors can scan a QR code or request a download link. - [Personal Banking](https://www.easner.com/personal): Everyday money management, multiple currencies, receiving payments, and sending money through the Easner app. Web access is also available on desktop. - [Business Banking](https://www.easner.com/business): Accounts, customer payments, supplier and team payments, invoices, and financial records in one dashboard. - [Checkout](https://www.easner.com/checkout): Accept one-time and subscription payments on your website, connected to Easner Business. - [Payment Links](https://www.easner.com/payment-links): Share a payment link to get paid without a website or code, for one-time or recurring payments. - [Payroll](https://www.easner.com/payroll): Pay contractors and employees with approval workflows, pay stubs, and payment records. - [Stablecoin Payments](https://www.easner.com/stablecoin): Send and receive supported stablecoins with asset, network, and payment details in one place. - [Invoicing](https://www.easner.com/invoicing): Create invoices and let customers pay online, by bank transfer, or with supported stablecoins. - [Cards](https://www.easner.com/cards): Personal and business cards with spending controls. Rolling out in phases, subject to availability and approval. - [Partners](https://www.easner.com/partners): Branded payment programs through the Agency Model, with infrastructure and operational support. - [Developers](https://www.easner.com/developers): APIs for verification, accounts, collections, payouts, and webhooks. Sandbox access and API reference are provided during commercial onboarding. ## Global payments Easner connects US, EU, and UK payment infrastructure with more than 80 payout destinations worldwide. Account balances are held in USD, EUR, GBP, and NGN. Payment methods and currencies vary by account and destination. Payout coverage and account-opening eligibility are distinct; check the product information and KYC/KYB and AML Policy for details. - **North America (US):** Personal and business accounts, USD balances, domestic and international payments, and cards. - **Europe (EU, UK):** EUR and GBP balances, business collections, invoicing, and EURC settlement. - **Africa:** Local payout connectivity including Nigeria, Ghana, Kenya, South Africa, Egypt, Rwanda, Uganda, Tanzania, Senegal, and Zambia. - **Latin America:** Payouts including Mexico, Brazil, Colombia, Peru, Guatemala, Ecuador, and Jamaica. - **Asia-Pacific and South Asia:** Payouts including India, China, the Philippines, Indonesia, Vietnam, Pakistan, Bangladesh, Sri Lanka, Thailand, Malaysia, Singapore, and Hong Kong. - **Middle East:** Payouts including the United Arab Emirates and Israel. ## How Easner moves money Easner settles cross-border payments on stablecoin rails, primarily USDC and EURC, then pays out in local currency at the destination. A customer sends dollars and the recipient is paid in their own currency; the settlement step happens in between and customers never handle it. A crypto wallet is not required to use Easner accounts, invoicing, Checkout, Payment Links, or Payroll. Timing depends on destination, payment method, banking hours, and verification checks. ## Frequently asked - **Can I use Easner for everyday finances in the US?** Yes. Easner serves personal and business customers in the US. Manage balances, receive payments, and pay people and businesses, with international capabilities when you need them. - **Does Easner offer personal and business accounts?** Yes. Easner Personal is for individual finances; Easner Business includes company accounts, payments, invoicing, payroll, and team access. - **Is Easner a bank?** No. Easner is a financial technology company. Banking and payment services are provided by licensed partners. - **Do I need to understand crypto to use Easner?** No. Customers see balances, payments, and recipients, the same as any banking app. There are no wallets or networks to manage. Stablecoin settlement runs behind the scenes. - **What fees apply?** Applicable fees and exchange rates are shown before transfer confirmation. Timing depends on the payment method, destination, banking hours, and verification or partner checks. ## Company - [Home](https://www.easner.com/): Personal and business banking for everyday finances and global ambitions. - [About](https://www.easner.com/about): Founders, mission, and the Easner platform. - [Contact](https://www.easner.com/contact): Sales, support, and partnership inquiries. ## Legal - [Terms of Service](https://www.easner.com/terms) - [Privacy Policy](https://www.easner.com/privacy) - [Delete Account](https://www.easner.com/delete-account) - [KYC/KYB and AML Policy](https://www.easner.com/compliance) ## Optional - [Sitemap](https://www.easner.com/sitemap.xml): Public website pages.