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Scan & recognize
[ ENI PAY ]
One account for stablecoin payments, management and growth.
ENI PAY is built around a stablecoin operating account, bridging on-chain assets with real-world payments so your funds are usable, manageable, and able to grow sustainably.
CORE SCENARIOS
Everyday Scenarios,Ready to Act.
From payments and receiving funds to conversion and yield, an integrated experience built around the actions individuals use most.
Scan to Pay
Supports multiple QR payment scenarios.
Receive & Transfer
Transfer within ENIPAY and to external addresses
Card Spending
Framework for virtual and physical card capabilities.
Asset Conversion
Transparent exchange rates and fees.
Local coverage
National QR Payments
Pay with stablecoins where supported, with fiat settlement enabled via payment rails.
QR Payments Flow
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View payment details
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Complete payment
Supported country
SingaporeMalaysiaThailand
IndonesiaPhilippines
Supported country
SingaporeMalaysiaThailandIndonesiaPhilippinesWHY ENI PAY
The core isn't an address-it's an operable account system.
Build long-term, scalable capabilities around balances, ledgering, permissions, risk controls, yield, and settlement.
Unified Asset View
View multi-chain funds and account balances in one place.
Account-Level Access Control
Grant controlled access by role and action.
Payment-Settlement Linkage
Keep execution and settlement flows consistent.
Sustainable Fund Retention
Retain funds through an account system built for long-term operations.
Unified Asset View
View multi-chain funds and account balances in one place.
Account-Level Access Control
Grant controlled access by role and action.
Payment-Settlement Linkage
Keep execution and settlement flows consistent.
Sustainable Fund Retention
Retain funds through an account system built for long-term operations.
Local coverage
Global Payments, Seamless Spending
Apply for a U Card and enjoy borderless payments
Dual-Mode Issuance
- Virtual card (instant activation)
- Physical card (ATM cash withdrawal)
Card Network Support
Visa / Mastercard global network
Balance Linking
Spend directly from your stablecoin balance
Multi-Scenario Usage
- Cross-border business travel
- Everyday retail spending
- SaaS subscriptions
CORE SCENARIOS
Put security and compliancebefore experience.
Ensure control over account funds and transaction flows through compliance, risk controls, and security mechanisms.
Security Architecture
MPC Wallet Technology (Multi-Party Computation)
Hot/Cold Wallet Separation
Compliance Framework
Three-Tier KYC / KYB Verification
AML & Sanctions Screening
Licensed Compliance Operations
Frequently Asked Questions
Resolve key questions before getting started.
Which version is available now?
Web is currently the primary available version. The app is still in development.
Is ENIPAY a wallet or an account?
ENIPAY is built as a stablecoin operating account, not a single-purpose wallet tool.
Do you support business users?
Yes. Switch to the business section to view integration and onboarding options.
How do I get started?
Click Start and complete login or registration to begin.