A global wallet built on stable assets. Free transfers, live mid-market exchange rates, and a network of local operators for cash.
Join the waitlistFrom sign-up to settlement — here's exactly what happens when you move payments with Spondula.
Add funds with a card or bank transfer at the live mid-market rate.
Pay with a UK or EU card, or push funds in from your bank. Your balance lands as stable assets — GBP-S, USD-S, EUR-S, or the asset of your choice — ready to send the moment it arrives.
Transfer to anyone, anywhere — by S handle, phone number, or QR code.
Free peer-to-peer payments, settled on-chain in seconds. No correspondent banks, no SWIFT queues, no weekend pauses. Whether they're next door or on another continent, your recipient sees the payment before you put your phone away.
Exchange at live mid-market rates, or withdraw through a Local Operator.
Need another currency? Swap between stable assets at live mid-market rates — the rate you see is the rate you get. Need cash? Cash out through a verified Local Operator in your area, or spend straight from the wallet at any merchant that accepts Spondula.
Spondula isn't a bank, a card, or a crypto exchange. It's a purpose-built payments network — with the pieces assembled in your favour.
Your balance lives on-chain, controlled by a key only you can unlock with your device's biometrics and PIN. Spondula never holds or freezes your funds.
Every transfer is verified on a permissioned chain in seconds. No batch windows, no cut-off times, no "pending" purgatory.
Sending is free — always. Our revenue comes from the edges: exchange spread, operator margins, and card loading. Moving payments is the promise, not the profit.
Hold, send, and convert GBP-S, USD-S, EUR-S, gold, and BTC from a single wallet. Switch between them at live mid-market rates — no monthly fees, no multi-account juggling.
Digital is only half the story. Spondula's Operator network gives you a real-world front door — verified businesses in your region that handle cash-in and cash-out at street level.
Join the waitlist and be first in line for early access — plus founder-tier rates when we go live globally.