The peanut card is out. For you. Maybe.
Verification required for all cardholders. No monthly or annual fees. Standard fees and limits apply per the cardholder terms. Beta programme.
You already know the problem.
Living across borders
Bounced by every neobank's verification the moment you cross a border.
Sending money home
Paying 4% on every transaction home.
Paid from abroad
You earn in one currency and spend in another.
GLOBAL CASH.
LOCAL FEEL
140+ countries · 50+ currencies · 0% transfer fees
From New York to Madrid to Mexico City — send and share instantly.
WALL OF LOVE
See what people are saying about Peanut on Twitter/X
YOUR MONEY. YOUR RULES.
Connect your wallet to your bank and local payment networks like PIX and MercadoPago through licensed partners — so you can pay like a local without giving up control of your funds.
Works with
PAY LIKE A LOCAL.
RECEIVE FROM ANYWHERE. NO LOCAL ID NEEDED.
Pay MercadoPago QR in Argentina. Send PIX in Brazil. Just your passport.
SECURITY. CONTROL. SUPPORT.
TOTAL SECURITY
Peanut is 100% non-custodial. Every transaction is approved via Passkeys using Face ID, Touch ID or passcode. No one else can move your assets. Not even us.
TRUE CONTROL
You verify your identity only when a feature truly requires it — like bank connections or the Peanut Card. For everyday peer-to-peer use, no mandatory KYC or friction.
FAQ.
Why Peanut?+
It's time to take control of your money. No banks, no borders. Just buttery smooth global money.
What is Peanut?+
Peanut is the easiest way to send digital dollars to anyone anywhere. Peanut's tech is powered by cutting-edge cryptography and the security of biometric user authentication as well as a network of modern and fully licensed banking providers.
Which networks, tokens and banks does Peanut support?+
Crypto — one deposit address for all 12 EVM networks, plus Solana and Tron:
Arbitrum
Ethereum
Base
Optimism
Gnosis
Polygon
BNB Chain
Celo
Katana
Plasma
Tempo
Kaia
Solana
Tron
Tokens:
USDT
USDC
ETH
USDC & USDT on every network · ETH on EVM networks · Tron is USDT-only
Banks & local payment apps:
- 🇺🇸ACH & WireUSD · United States
- 🇪🇺SEPAEUR · 36 countries
- 🇬🇧Faster PaymentsGBP · United Kingdom
- 🇲🇽SPEIMXN · Mexico
- 🇦🇷Mercado PagoARS · Argentina
- 🇧🇷PixBRL · Brazil
Deposits are free — Peanut covers the gas.
Do I have to KYC?+
No! You can use core functionalities (like sending and receiving money) without KYC. Bank connections, however, trigger a one‑time check handled by Sumsub, a SOC 2 Type 2 certified, GDPR-compliant, ISO 27001–certified provider. Your documents remain locked away with Sumsub, not Peanut, and Peanut only gets a yes/no response, keeping your privacy intact. The Peanut Card is a separate program and requires identity verification for all cardholders. The card is in closed beta, rolling out gradually through a waitlist — check if you're eligible to skip the waitlist at peanut.me/shhhhh.
Could a thief drain my wallet if they stole my phone?+
Not without your face or fingerprint. The passkey is sealed in the Secure Enclave of your phone and never exported. It’s secured by NIST‑recommended P‑256 Elliptic Curve cryptography. Defeating that would be tougher than guessing all 10¹⁰¹⁰ combinations of a 30‑character password made of emoji. Your key never touches our servers; compliance requests only see cryptographic and encrypted signatures. Cracking those signatures would demand more energy than the Sun outputs in a full century.
What happens to my funds if Peanut’s servers were breached?+
Nothing. Your funds sit in your self‑custodied smart account (not on Peanut servers). Every transfer still needs a signature from your biometric passkey, so a server‑side attacker has no way to move a cent without the private key sealed in your device's Secure Enclave. Even if Peanut were offline, you could point any ERC‑4337‑compatible wallet at your smart account and recover access independently.
How does Peanut make money?+
We plan to charge merchants for accepting Peanut as a payment method, whilst still being much cheaper than VISA and Mastercard. For users, we only charge minimal amounts!
My question is not here+
Check out our help center for more help.