Route cost, FX spread, cash-out fit and recipient amount before approval.
Fiat in. Blockchain bridge. Fiat out.
Blockchain-powered international transfers, as easy as sending a text message.
MyVaultOS is the automation, control and proof layer for cheaper cross-border payments. Importers, operators and small teams still think in normal money terms while the workspace checks eligible bridge routes, approvals and evidence behind the scenes.
Start and finish in normal money terms while MyVaultOS checks the blockchain bridge.
Quotes, approvals, provider refs, receipts and exports stay in one transfer file.
Invoices, supplier records and finance exports sit beside the payment evidence.
09:41Secure session
Business cash view
Invoices + suppliers + card routesSupplier-ready $42,8004 approval files
TodayView all
Supplier invoice awaiting approvalSteelworks Pty Ltd - $6,420Approve
Payroll evidence pack completeFortnightly contractor runFiled
FX quote refreshed for USD invoiceValid for 8 min - $18,000Review
How it works
One file moves from payment intent to route choice to proof.
The centre is simple: compare route options, bridge through blockchain only where it helps, off-ramp to the recipient and keep every reference in the same record.
Amount, currency, recipient and reason.
Eligible fiat and blockchain-bridge options ranked clearly.
Confirm the route and record provider references.
Receipt, transaction reference, invoice or contract stays attached.
Choose your workflow
Lead with supplier payments. Add smart workflows when the file needs control.
MyVaultOS keeps the public story focused on the real business pain: paying overseas suppliers, keeping proof with the invoice and making the finance export usable.
Pay overseas suppliers with the quote, approval and proof in one file.
Alex can upload a supplier invoice, verify the recipient, choose a simple transfer or smart workflow, then export the payment record for finance.
Compare card spend options without making MyVaultOS the card issuer.
Teams can keep provider-led card offers, limits, receipts and spend evidence beside supplier and online-service payment files.
Route cost examples
See the hidden cost before you press send.
MyVaultOS puts amount, corridor, live provider quote, market benchmark, bridge rail cost and proof in one view. These examples use current published sources and still require a fresh provider quote before approval.
Small international payoutAUD 1,000 remittance benchmark
- Typical cost
- AUD 63.60
- Lower-cost route
- AUD 0.01 rail fee plus provider spread
- Potential saving
- Rail saving visible before provider quote
Proof keptSupplier record, quote, recipient amount and receipt
World Bank RPW reports a 6.36% global average remittance cost. Polygon reports typical USDC transfer network cost around USD 0.002, before on-ramp/off-ramp/provider costs.
Back to transfer widgetAU to PhilippinesAUD 45,000 to PHP provider quote
- Typical cost
- AUD 2,862 at 6.36% benchmark
- Lower-cost route
- AUD 277.85 Wise account quote
- Potential saving
- AUD 2,584.15 vs global benchmark
Proof keptInvoice, approval and transfer reference
Wise AU live transfer page shows 45,000 AUD to PHP costing 277.85 AUD by Wise account. World Bank benchmark would imply 2,862 AUD at 6.36%.
Back to transfer widgetHigh-value cross-borderAUD 50,000 import payment model
- Typical cost
- AUD 3,180 at 6.36% benchmark
- Lower-cost route
- AUD 309 scaled Wise proxy
- Potential saving
- AUD 2,871 benchmark gap
Proof keptTrade file, release note and audit export
Scaled from Wise 45,000 AUD to PHP fee rate of about 0.617% and compared with the World Bank 6.36% global average. Final cost still requires live provider quote.
Back to transfer widgetSources checked 24 June 2026: World Bank Remittance Prices Worldwide Q3 2025 global average cost of 6.36%; Wise Australia live AUD to PHP page showing 45,000 AUD transfer cost of 277.85 AUD by Wise account; Polygon USDC page showing typical token transfer cost around USD 0.002; Coinbase Help states Coinbase charges no fee for USD ACH deposits and withdrawals; Conduit, Due, TransFi and Circle docs were checked for corridor rail coverage. Final customer cost depends on provider quote, corridor, FX, spread, conversion, trading, network, KYC, on-ramp, off-ramp and payout route.
Connect and record
Providers do the movement. MyVaultOS keeps the decision, controls and evidence clear.
Users see fiat source, eligible bridge route, fiat destination and proof. Provider brands sit behind the workflow unless a real connection, approval and disclosure applies to that customer.
RoutesRoutes
Cost, timing, limits and cash-out fit.
FilesFilesContracts, loans, invoices and payment rooms.
ApprovalsApprovalsThresholds, confirmations and release rules.
ProofProofProvider refs, receipts and uploaded evidence.
ExportsExportsAccounting and audit-ready records.
ProvidersProvidersRegulated fiat access, payout and accounting hand-offs.
Trust boundary
Clear operator details and a software-only role.
MyVaultOS gives businesses a route-comparison, approval and evidence workspace. It does not take custody, issue cards, execute remittances, provide exchange services or give financial advice.
Read termsABN 58 684 868 915. Level 38, 71 Eagle Street, Brisbane QLD 4000.
MyVaultOS helps compare routes, prepare approvals and store proof. It is not a bank, exchange, remittance provider or financial adviser.
Funds, cards, wallets, KYC/KYB, payouts and support remain with the selected provider and the customer.
Each file records quote, recipient, approval, provider reference and receipt before it is treated as complete.
Operating controls
Make the blockchain bridge feel like normal finance admin.
The important product is not a named rail. It is the control layer that checks eligibility, records the quote, verifies the recipient and keeps finance evidence ready for reporting.
Review provider boundaryWhen a provider quote is available, MyVaultOS stores the quote, expiry, eligibility checks and final receipt against the payment file.
Payment files keep invoice, supplier, approver, provider reference, settlement proof and export fields together for month-end.
Supplier files can hold entity details, bank-change history, document evidence and risk flags before a user approves the hand-off.
The product records decisions, approvals and proof. Regulated providers and user-controlled wallets execute money movement where eligible.
Business payment layer
Add batch intake, AI review and workflow controls around the payment file.
Business adds Xero, ERPNext and ABA intake, best-cost route selection, supplier evidence and business loan file management. Business Pro adds saved workflows, facilities, caps and approval policies. Enterprise adds custom rails, partner-led LC workflows and compliance support where agreed.
Review business tiersFinance agents can prepare draft bookkeeping records, chase missing evidence and keep each payment file ready for human review.
Set up ERPNext around suppliers, invoices, currencies, approvals and payment evidence so the finance file matches the operational workflow.
Produce reconciled export fields, provider references, open items and month-end packs for the business, bookkeeper or accountant.
Need a card route?
Compare third-party card offers without changing the MyVaultOS boundary.
Some users need local card spend after they compare transfer and payout routes. MyVaultOS does not issue cards or hold card funds; provider onboarding, KYC, limits and support stay with the card provider.
MyVaultOS may earn a commission when you sign up through these links, at no extra cost to you.
Review card routesThird-party card route for supported users who want card spend and receipt capture.
Open provider pageA provider-controlled card route for supported online services and communities.
Open provider pageA third-party option for ad spend where provider onboarding, limits and fees work for the user.
Open provider pagePlans
Start with route visibility. Add business controls when the workflow grows.
Operators need cheaper routes, faster movement, card-spend options, loan records, trade-finance workflows and receipts. Business plans add teams, approval rules, supplier files and operating evidence.
Individuals, freelancers and operators who need manual payment files, route visibility and proof without business batch tools.
- Manual payment files
- Basic route comparison
- Private loan records and repayment tracking
- Evidence upload
- Receipt and audit record
Small teams that need supplier payables, batch review, best-cost routing and AI exception checks.
- Xero, ERPNext and ABA intake
- Payment runs and best-cost route recommendation
- Business loan files, repayment schedules and borrower/lender proof
- Protected documentary payment and escrow-backed undertaking workflows
- Supplier status, evidence, approvals and disputes
- AI payment review, exception detection and reconciliation export
- Partner-assisted global payroll setup mode
Higher-volume teams that need automation, policy controls, recurring workflows and stronger approval governance.
- Multi-entity workspaces
- Maker-checker, spend caps and counterparty caps
- Business facility management, covenant reminders and renewal packs
- Facility drawdown, milestone payment and retention release workflows
- Saved workflow templates and recurring batch automation
- Advanced exception policies and director approval packs
- Team roles, audit controls and provider onboarding assistance
Partner-led or live-value pilots that need custom rails, compliance review and bespoke integration support.
- Custom provider rail configuration
- Partner-issued letter of credit application pack workflow
- Performance security, partner-led facility and trade-finance workflow support
- Safe / ERC-4337 smart-wallet and paymaster setup
- Testnet-to-live protected payment pilots
- Custom KYB/KYC, ERP/API connector work and compliance pack
- SLA support and bespoke payroll or supplier payout routing
MyVaultOS records routes, approvals and proof. It does not custody funds, hold seed phrases or execute payments; money movement stays with eligible providers or user-controlled wallets.
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