dtcpay for business: FX rates, forwards and licences

Pricing

dtcpay quotes each trade.

No margin is published, so compare its quote with the mid-market rate and with a second provider's quote for the same amount on the same day.

FX margin: Not publishedRates are shown in the app before each swap
SGD virtual account deposit service: S$100 a monthWaived above an S$100,000 balance (dtcpay fee schedule)
Transfer fees: Not published

Products

Spot, forwards and orders.

Fiat and stablecoin balances: Yes, in one dashboard
FX and stablecoin swaps: Yes, at real-time rates shown before you confirm
Payouts: Cross-border, local bank transfers, Visa card payouts and stablecoin rails
Bulk payments: Yes
Corporate cards: Virtual and physical, funded from fiat or stablecoin balances
Forward contracts: Not published
Forward contract terms: Not published

35+ currencies, as dtcpay states.

Who it serves

Who dtcpay works with.

Who it serves: SMEs, multinational companies and start-ups paying suppliers, payroll and treasury transfers across borders
Not supported: Its digital-token services are not offered in a list of countries that includes the EU, UK, US, UAE, China, India and JapanHelp-centre list, reviewed by dtcpay regularly

Your money

Where your money sits.

Multi-currency business balances in fiat and stablecoins; virtual account numbers for payers, but no page says they are in your company's name

How it is protected
Not published
You still need an account
Payments to dtcpay come from your own business account, and conversions are paid back to it or to your suppliers.

Need the account behind your FX? Your profile matches you with providers that take your company.

Find my options

Licences

The companies behind dtcpay.

MAS
Digital Treasures Center Pte. Ltd.
Major payment institution (account issuance and e-money issuance), no. PS20200531
CSSF
dtcpay Luxembourg S.A.
E-money institution, no. W00000020

Opening

Getting started with dtcpay.

How to open: Online business sign-up with company verification
Stated time: Not published
Remote: Yes
Support: Email · Phone, 24/7 (Singapore) · WhatsApp · In-app and web support

Compare

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FAQ

Your questions, answered.

Does dtcpay give my business an account in its own name?

dtcpay offers multi-currency business balances and virtual account numbers that payers can send money to, but none of its pages says the account details are in your company's name. That is why Finzil lists it as a payments platform rather than a business account.

Which licences does dtcpay hold?

Its Singapore company, Digital Treasures Center Pte. Ltd., is a major payment institution licensed by the Monetary Authority of Singapore, and dtcpay Luxembourg S.A. is an e-money institution licensed by the CSSF (W00000020, authorised 29 October 2025). dtcpay also lists registrations in the US, Canada, Australia and Hong Kong.

Can I use dtcpay from the EU or UK?

Its help centre lists the EU and the UK among the places where its digital payment token services are not offered. Ask dtcpay which of its services your company can use.