Fiat in. Blockchain bridge. Fiat out.

Blockchain-powered international transfers, as easy as sending a text message.

MyVaultOS gives people and businesses the automation, control and proof layer for cheaper cross-border payments. Users can still think in normal money terms while the workspace checks on-ramp, stablecoin settlement and off-ramp options behind the scenes.

09:41Secure session
Personal accountJane Citizen
Private

Available now

Wallet + card + cash-out routes
$28,640.18
Ready to spend $18,4202 protected payments
+AddCard, transfer, provider$Cash outQuote then withdrawFFilesPayments and proof>SendWallet or payment link
Ready to spend$18,420Available balance
Provider balance$7,040Coinbase access
Protected$3,1802 payment files
Rent protected payment ready to releaseProperty manager - $1,850Ready
New recipient joined from your inviteTrusted recipientVerified
Cash-out quote refreshedExpires in 4 min - $4,500Review

Why MyVaultOS

One clean workflow for international transfers.

MyVaultOS keeps the experience simple: enter the payment, compare the route, approve the hand-off and keep the proof. Blockchain is the optional middle layer, not another system the user has to operate.

Cheaper route first

Compare the total route cost, FX spread, cash-out path and recipient amount before approving the transfer.

Fiat experience

Users can start and finish in normal money terms while MyVaultOS checks whether blockchain can do the fast middle step.

Proof in one file

Keep quotes, approvals, provider references, receipts and exports together for personal records or finance review.

How it works

Fiat in, blockchain bridge where it helps, fiat out.

The user sees a transfer file. MyVaultOS checks route availability, fees, provider requirements and proof. When smart contracts are useful, they sit on top as workflow automation for contracts, loans, milestones or releases.

01Enter the payment

Amount, currency, recipient and reason for the transfer.

02Compare routes

Bank, provider and stablecoin-bridge options ranked by cost, speed and cash-out fit.

03Approve the hand-off

You confirm the route. MyVaultOS records the approval and provider references.

04Store the proof

Receipt, tx reference, invoice, contract or loan record stays in the same file.

Personal

Send money, record private loans and keep proof without learning crypto.

Jane can start with fiat, compare cheaper bridge options, approve the recipient, keep the receipt and attach a private loan or family-payment record when needed.

Family transfer

Amount, recipient, route cost, approval and receipt in one file.

Private loan

Agreement, schedule, repayments, reminders and completion proof.

Proof pack

Provider refs, payment receipts and exportable records kept together.

Business

Upload contracts, compare payment routes and control supplier workflows.

Alex can upload a contract or supplier invoice, create approval rules, choose a simple transfer or smart workflow, then export the records for finance.

Complex contracts

Milestones, payment conditions, counterparties, evidence packs and release notes stay tied to one operating file.

Protected payments

Escrow-style flows are recorded as protected payment contracts with user-approved release rules, not MyVaultOS custody.

Private loan servicing

Keep the agreement, repayment schedule, approvals, receipts, balances and completion proof without originating or collecting the loan.

Business payments

Supplier invoices, team approvals, route comparison and accounting-ready exports sit in the same evidence trail.

Routes and providers

Connect the services you use, but keep the decision in MyVaultOS.

Providers such as Coinbase, Wise, Airwallex, WalletConnect, Stripe and accounting systems can sit behind the same route file. MyVaultOS stores status, approval and proof; it does not ask for seed phrases, private keys or provider passwords.

Route cost examples

See the hidden cost before you press send.

MyVaultOS puts the decision in one place: amount, corridor, typical cost, blockchain-bridge option, cash-out path, saving, ETA/status and proof pack. These are worked examples using published benchmarks plus editable assumptions.

USD to PHP$1,000 family payment
Typical cost
$63.60
MyVaultOS routed cost
$8.26 to $12.65
Potential saving
$50.95 to $55.34
Proof keptQuote, recipient amount and receipt

World Bank 6.36% global remittance average vs Wise published USD-PHP direct debit / bank transfer example.

International business transfer$10,000 supplier payment
Typical cost
$245
MyVaultOS routed cost
$50 to $100
Potential saving
$145 to $195
Proof keptInvoice, approval and transfer reference

Illustrative bank path using $45 international USD wire plus 2.0% FX spread assumption; MyVaultOS route comparison shows a transparent modelled range at 0.5%-1.0%.

High-value cross-border$50,000 import payment
Typical cost
$1,545 to $2,545
MyVaultOS routed cost
$250 to $500
Potential saving
$1,045 to $2,295
Proof keptTrade file, release note and audit export

Illustrative bank path using $45 wire plus 3%-5% total FX/intermediary drag; MyVaultOS route comparison shows a modelled 0.5%-1.0% routed cost.

Sources: World Bank Remittance Prices Worldwide 6.36% global average; Wise USD to PHP public pricing example; Bank of America / published bank wire fee examples. Larger-transfer FX drag is an editable model assumption and varies by bank, provider, currency, compliance status and cash-out route.

Product modules

Go deeper only where the user needs it.

The homepage stays simple. Each module opens the live product surface for route checks, file creation, approvals, proof, exports and providers.

Plans

Start with a private money workspace. Add business controls when needed.

Personal users need cheaper routes, faster movement and receipts. Business users add teams, approval rules, supplier files and operating evidence.

MyVaultOS Personal$5/month

Individuals, freelancers and operators who want cheaper routes, faster options and clean proof without bank lock-in.

  • Vault or cold-wallet reference dashboard
  • Fiat Pocket view
  • Protected payment files
  • Receipts, notes and export packs
Start Personal
MyVaultOS Business$20/month

Small teams transacting internationally without wanting a bank at the centre of control.

  • Multi-user workspace
  • Signer approval records
  • Supplier and payment files
  • Approvals, invoices and proof packs
Start Business
Business OSFrom $99/month

A private finance operating layer for owners who want route visibility, accounting, treasury and workflow together.

  • Private business admin workspace
  • AP/AR and cash-flow dashboard
  • Vault and fiat route view
  • Evidence archive
Open Business OS
Managed Finance SupportFrom $299/month

A higher-touch support layer for businesses that want finance admin reduced while keeping decisions and evidence under control.

  • Finance support workspace
  • Invoice intake and payment packets
  • Supplier obligations and reminders
  • Monthly operating pack
Request Support

Help

Questions and support live outside checkout.

Software boundary at a glance

The product boundary is software, records, approvals and evidence.

This section is only the public summary. The full Terms and Privacy Policy are separate long-form documents written around software access, user-controlled wallets, provider routes, billing, evidence records, support and data handling.

Software, not custody

MyVaultOS provides records, approvals, routing visibility, evidence, exports and agent workflows. Users control wallets, keys, payment providers and execution.

No hidden money movement

MyVaultOS does not receive, hold, pool, transfer, exchange, lend or invest customer funds. Live movement requires the user or the user-approved provider to execute.

Provider rails stay separate

Wallet providers, Coinbase, Wise, Airwallex, business-admin tools, hardware vendors and future payment providers operate under their own terms, compliance checks and availability.

Protected payments are contracts

Escrow-style flows are non-custodial protected payment contracts with user-approved release rules, not MyVaultOS holding money for either party.

Hardware is equipment

Cold wallets are sold as security equipment. MyVaultOS does not store seed phrases, recover private keys, guarantee device security or control signer approvals.

Commercial use needs clean setup

Business users remain responsible for taxes, accounting treatment, counterparties, sanctions, KYC/KYB obligations and local law before using any rail.