Description
About
AllScale is a self-custody stablecoin neobank built for microbusinesses and global teams. It combines crypto speed with enterprise-grade compliance, enabling instant cross-border payments in USDT and USDC.
Core Offerings
- Checkout — Accept crypto payments with instant settlement to your self-custody wallet. No merchant account, chargebacks, or rolling reserve. Features real-time KYT risk detection and zero-knowledge privacy.
- Payroll — Pay contractors and employees worldwide in stablecoins within minutes. Includes hiring, invoicing, and compliance tools with EOR services across 100+ countries.
- Invoicing — Send professional invoices that clients can pay via credit card, wire transfer, or crypto — no AllScale account required. Funds settle directly into your wallet.
- Wallet — Non-custodial wallet using passkeys and account abstraction. No seed phrases — login with biometrics or 2FA while retaining full private key control.
Key Advantages
- Instant settlement — Funds arrive in seconds, 24/7
- Built-in compliance — Automated KYC, KYB, and on-chain KYT
- Private by design — Zero-knowledge technology keeps transaction data confidential
- Self-custody — You always control your keys and funds
- Yield generation — Stored stablecoins earn yield automatically
Highlights
Pros
- Zero gas fee stablecoin transactions on Solana and BNB Chain via a multi-chain paymaster sponsorship architecture.
- Self-custody wallet uses Account Abstraction with passkeys — no seed phrases required while users retain full private key control.
- Built-in automated KYC, KYB, and on-chain KYT compliance screening reduces regulatory burden for microbusinesses.
- Incubated by YZi Labs (Binance Labs) with $5M+ seed backing from Amber Group, Draper Dragon, and Animoca Brands.
- Founding team includes veterans from Binance, Kraken, Block, Capital One, and TikTok.
- Instant USDC/USDT settlement in seconds rather than days for cross-border payroll, invoicing, and checkout payments.
Cons
- No public security audits have been disclosed for the platform's smart contracts or infrastructure.
- Geographic coverage is primarily focused on Africa and Latin America, limiting availability in other regions.
- No native token details or tokenomics have been disclosed despite an active airdrop points farming program.
- Platform remains in beta with no fully live consumer product as of mid-2026.
- Only supports USDC and USDT stablecoins — no multi-currency or other cryptocurrency support.