AURA Money
01The everyday account
Your stablecoins,
as simple as a bank app.
Hold USDC, USDT, EURe and tGBP. Pay named people. Tap to confirm. AURAโs AI handles verification, routing and security in the background.
Your stablecoin account. Send, receive and pay with USDC, USDT and more, with the simplicity of a banking app and the security of smart contracts.
Want to try it now? Launch the live demo โ ยท Watch how it works โ
Hold USDC, USDT, EURe and tGBP. Pay named people. Tap to confirm. AURAโs AI handles verification, routing and security in the background.
Add payees by name. AURA stores their verified wallet details, you just pick a name and pay.
When you add a payee, AURA checks the wallet is valid, active and on the correct blockchain, confirms it accepts the asset, and screens it for sanctions and risk, before you ever confirm. You add someone the way you add a bank beneficiary, by name. AURA verifies the wallet behind the scenes.
Small everyday payments are instant; large or unusual transfers get the scrutiny they deserve. AURA authenticates intelligently, not identically.
Regulated, liquid stablecoins only, no speculative tokens, no volatility. Just digital dollars, euros and pounds you can use as money.
Every AURA Money account includes an embedded AI layer working continuously in the background, protecting funds, verifying recipients, optimising payments and flagging anything unusual. AURA thinks so you donโt have to.
AI-powered wallet verification. Before you send a dollar, AURA analyses the recipient wallet, validity, network compatibility, asset acceptance, sanctions status and behavioural risk. It catches errors humans miss, every time.
Every transaction is assessed by AI before authentication is requested, amount, recipient history, location, device and behaviour. High-risk activity is flagged; trusted behaviour stays frictionless.
AURA evaluates every path in real time, networks, fees, liquidity and settlement speed, and selects the optimal route automatically. You pay the lowest cost. You never choose a network.
AURA monitors every transaction against your personal patterns. Unusual amounts, new recipients or suspicious wallet activity trigger automatic holds and alerts, before money moves, not after.
AURA learns your payment patterns over time, automatic categorisation, monthly summaries and insight into where your money flows, without you doing anything.
For conversions and cross-network settlements, AURA monitors rates in real time and executes at the optimal moment, minimising FX spread and network costs automatically.
24/7 AI customer service inside the app. Ask a question, dispute a payment or get help in plain language, any hour, any day.
The blockchain disappears. AURAโs AI guides you through anything on-chain, explaining, suggesting and doing the technical work so you never touch a network, gas fee or address.
Addresses, hashes, gas, block times, a blockchain explorer is built for engineers. AURA reads it for you and explains any transaction, wallet or confirmation as a clear story of what happened and when.
AURA organises your activity for tax, categorising income, spending and transfers and producing clean, exportable reports for VAT, GST or income filing. It prepares the records; you or your accountant file. Not tax advice.
Tap through the app, balance, payments and card, all live.
AURA Money behaves like the banking app you already know, with stablecoins and AI underneath instead of a legacy core.
Hold USDC, USDT, EURe and tGBP side by side, with live balances and one clean total.
Monthly statements, categorised spending and exportable reports, just like your bank.
Save people and businesses by name; every wallet is verified and can be marked trusted.
Pay bills, send payment requests and settle invoices, all in stablecoins.
Set up standing payments, payroll and subscriptions that run on their own.
Payments run through smart payment contracts, so refunds and rules are enforced in code, not goodwill.
Pay someone and they see the payment, not your balance. On a public blockchain, anyone can read your whole financial life. AURA Money is private by default, and provable to the people you choose.
Your balance and history stay private, not a public number anyone can read from your address.
A payment reveals the payment, not your other transactions, counterparties or treasury.
Share a transaction with a recipient, your accountant or an auditor using a viewing key that can never spend.
A bank account waits for you to act. AURA Money can act on its own, inside limits you control. Set a rule once and your money keeps it, on-chain, every time, without you ever logging in.
Rent on the 1st, subscriptions when they fall due, payroll every cycle. Each rule has a cap and a trusted payee, and runs on its own the moment it is due.
Get paid by the hour, not the fortnight. Salary can stream into your account in real time, so the money is there as you earn it, not two weeks later.
Split every incoming payment into spend, save and set-aside buckets. Round up card spending. Sweep anything above a threshold. Set it once; AURA keeps it.
Give a family member, a team or a contractor a scoped budget, capped per payment and per day, to trusted payees only, expiring when you say. Revoke any time.
Money you are not using does not have to sit still. AURA can route idle balance to yield automatically, with the terms and risks shown plainly. Arrives with our licensed partners.
Describe what you want in plain language. AURAโs AI drafts the rule, shows you exactly what it will do, and only your approval turns it on. The AI never holds a key.
Every automation is capped, per payment and per day, and can pay trusted payees only. A rule spends within its limit and not a cent beyond it.
A first large payment to a new payee waits in a cooling-off window enforced on-chain, so you can stop it after the fact if something is wrong.
Automations run on scoped, expiring keys that only your account authorises. AURA cannot move your money, and neither can a rule you did not approve.
The biggest way people lose money in crypto is not a hack. It is being tricked into sending it, or sending it to the wrong place. AURAโs AI watches for exactly that, and warns you in plain language before it is too late.
Before a risky payment, AURA reads the signals, a brand-new payee, an urgent request, an unusual amount, a wallet with a poor reputation, and warns you if it looks like a scam. The on-chain cooling-off window gives you time to stop.
If a new payeeโs name or wallet closely resembles someone you already trust, AURA flags the mismatch before you send. Typo-squatting and look-alike wallets, caught early.
A payment from a new device, or one that does not fit your usual pattern, triggers an automatic hold and a plain-language alert, before money moves, not after.
Every warning explains what was checked and why it matters, sized to the real risk of this payment. AURA tells you what it verified. It never claims a payment is โsafeโ.
The same banking features, in a stablecoin app that verifies every payee and settles on-chain. Every figure is derived from real balances, not decorative.
Get started with just an email and a passkey. Identity verification (KYC) arrives with cards and cash in & out. You are in control from the first tap.
No forms and no paperwork. Just an email to get started, nothing to upload.
Face ID or your fingerprint becomes your sign-in. Only you can unlock your account, on your own device.
A personal smart contract account is set up automatically, controlled only by you. AURA holds nothing that can move your money.
Save someone by name. AURA verifies the account before any money moves, you confirm with AURA Secure, and it settles in seconds.
AURA Money is self-custody software, not a bank. We would rather be clear than sound bigger than we are.
Your account is a personal smart contract that only your passkey controls. AURA holds no key that can move or freeze your funds, and you can always withdraw, even with every AURA service offline. It is true on-chain, and anyone can verify it.
Once a stablecoin payment is sent, it is final. That is exactly why AURA verifies every payee and every account before any money moves.
AURA Money is not a bank and is not regulated as one. Money you hold is not covered by the FSCS or any deposit-protection scheme. You hold it, and you control it.
We would rather name the blocker than imply a capability. Here is what is coming, and exactly what stands in the way.
Spend your balance anywhere Visa is accepted. Waiting on: a sponsor bank and an issuer-processor partner.
Top up and withdraw in pounds, euros and dollars. Waiting on: a licensed on/off-ramp partner, which is also where identity checks will apply.
Pay in store by scanning an AURA QR. Waiting on: the AURA Pay settlement gateway and merchant onboarding.
Available on web while the apps are in development.
The full architecture: the smart contract kernel, self-custody and the key model, AURA Guard address intelligence, the settlement and data model, and the threat model.
Founding members get priority access and early perks at launch. Weโre targeting the UK and Saudi Arabia first, with global expansion to follow.
Weโll email you the moment AURA Money is ready.
AURA Money is in development. Join the waitlist to be first in line when we launch.
USDC, USDT, EURe and tGBP at launch, with additional regulated stablecoins added over time.
No. Sign-up is an email and a passkey, with no documents to upload. Identity checks arrive later, alongside the licensed partners that handle cashing in and out.
Yes. Your stablecoins live in a personal smart contract account that only your passkey controls. AURA holds no key that can move or freeze your funds, and you can always withdraw, even if every AURA service is offline.
No. AURA Money is self-custody software, not a bank, and it is not regulated as one. Money you hold is not protected by the FSCS or any deposit-protection scheme. Only you can access or move your funds.
No. Stablecoin payments are final once sent. That is exactly why AURA verifies every payee and account before any money moves, and why large or new payments trigger extra checks.
We are targeting the UK and Saudi Arabia for the initial launch, with global expansion to follow.
AURA Address Intelligence validates the address, detects the network, checks asset compatibility, screens sanctions and generates a risk score, before you send.
Join the waitlist today and help shape the stablecoin banking app built for everyone.