PaYard is a digital banking service for founders and companies who work across borders. In one app you can open and use a multi-currency IBAN in euros, dollars, and pounds; pay with virtual and physical Visa cards (Apple Pay / Google Pay); and send and receive international transfers via SEPA, SWIFT, FPS, and CHAPS. You can also hold and exchange BTC, ETH, USDT, and USDC alongside your fiat balances.