Meet Wirex One: A Single App for Spending, Earning & True Ownership

Wirex One is built to be the most complete finance app on the market. It’s got everything you need to spend, earn, invest, and grow, in a single place, powered entirely by stablecoin infrastructure. Plus, it’s designed with true ownership over your funds and financial privacy at its core, transforming what we know as private banking today.

We want to empower financial freedom like never before. For the first time, you’ll get the usability of a neobank with the benefits of onchain finance so you can put your money to work with true ownership over your assets.

Let’s dive into some of the key features that make Wirex One different:

Spend with the Wirex One Card

Spend your funds instantly in real-life at millions of locations worldwide, and earn up to 8% cashback valued in USD (one of the highest rates in the industry). Your rewards are immediately spendable, not locked in volatile tokens.

Zero-Fee Everything

Wirex One is built for global use, with:

• Fee-free ATM withdrawals worldwide

• 0% FX fees when spending abroad

• Multi-currency accounts inside the app

Whether you’re travelling or managing multiple currencies, you keep more of your money

True Ownership via Onchain Wallets 

Wirex One is fully onchain and non‑custodial, but without the complexity, and it’s the first time non‑custodial finance feels as simple as a traditional banking app. You get:

• True ownership of your assets

• Private, instant settlement

• No seed phrases or key management

• A clean, intuitive neobank‑style interface

Read more about our non‑custodial design in our previous blog post.

Earn Up to 9.75% APY on Stablecoins and Crypto

Put your idle funds to work automatically, with up to 9.75% yield available on stablecoins and crypto holdings to easily grow your portfolio. Choose between flexible terms (withdraw anytime, lower rate) and fixed terms (higher rate, set lock period). 

Stablecoin-Powered Multi-Currency Accounts 

Wirex One gives you the functionality of a neobank, but fully on stablecoin rails. You can hold your own IBAN, send and receive via SEPA, ACH, Faster Payments, and card transfers, whilst any incoming fiat auto‑converts onchain. Alternatively, you can send/receive to other crypto wallets instantly.

Trade Crypto, Tokenised Equities and Perpetuals 

Trade hundreds of cryptos, with fee-free crypto trading for WPAY holders. Plus, we’ll be launching 24/7 tokenised equities and up to 5x perpetual trading soon, all inside the same app.

Asset-Backed Credit with No Credit Check (Coming Soon)

Borrow against your crypto or tokenised stocks with instant approval, and no credit check Wirex One will give you a smarter way to access liquidity without selling your assets.

Accessible membership program for premium rewards 

Membership at Wirex One is unlike that of other premium financial services, and it’s powered by WPay. With Wirex One, the more your portfolio grows, the more your membership gives back.

What makes WPAY different:

• Not a subscription: zero fee, where benefits scale as you increase the % of WPAY you hold in your portfolio, sell anytime

• No lock-up: No 6–12 month lock-up, where your WPAY is always liquid and benefits adjust dynamically as your portfolio changes

• Not volatile cashback: Up to 8% cashback rewards for spending on card are valued in USD, not tokens

Higher tiers offer benefits like higher yield, higher cashback rates, and premium travel & lifestyle perks.

Wirex One is built for people who want one powerful app instead of five: crypto holders consolidating their assets, travellers who hate FX fees, and anyone who wants their money to work harder without paying for a premium tier.

Wirex One will launch very soon, with more information about it being revealed at launch. Keep an eye on our social platforms for the launch date.