Send and receive payments globally with our blended digital wallet. Virtual bank accounts in Europe (SEPA) and USA (ACH), seamless stablecoin conversion, all in one place.
A comprehensive financial solution designed for the modern global citizen
Hold currency, crypto and stablecoins across Solana, Avalanche-C, Algorand and Ethereum, in a single unified wallet.
Get your own SEPA account in Europe and ACH account in the USA to receive payments like a local.
Convert between local currency, USD, EUR, and USDC/USDt instantly with competitive rates.
Send and receive money to and from Africa without borders.
Above bank-grade security with full regulatory compliance. South African FSP #46444
Manage your finances on the go with our intuitive mobile app for any platform.
Get started in minutes and join thousands of Netfluid customers already enjoying the new digital economy.
Sign up in minutes with your Government ID, Passport or Drivers License. Global onboarding for citizens worldwide. Get instant access to your virtual SEPA and ACH accounts.
Fund your way: via local bank transfer (available in 10+ countries), retail deposits in South Africa and Botswana, OTT vouchers (available @ Kazang) or directly via the blockchain.
Pay anyone globally, receive payments from the diaspora or use our SoftPos for merchant payments locally. Cash-out when needed. It's that simple.
Multiple convenient options to move money in and out of your wallet
Whether you're receiving payments from suppliers in Europe, sending money to family abroad, or paying for international services, Netfluid makes it simple and affordable.
Stop carrying expensive hardware. Turn your phone into a card machine and accept QR or NFC tap-to-pay payments with instant settlement to your wallet.
Everything you need to know about the Netfluid wallet.
It’s a single account that allows you to hold and manage traditional currencies (like ZAR or USD) alongside stablecoins (USDC/USDt) and crypto. You don't need separate apps for banking and crypto.
Upon verification, you receive SEPA (Europe) and ACH (USA) account details with an unique beneficiary payment reference. These allow you to receive payments from employers, clients, family or marketplaces like Amazon as if you had a local bank account in those regions.
In South Africa and Botswana, you can deposit cash at any Shoprite, Checkers or SPAR store (Any other payment method is also accepted) or at FNB ATMs. Alternatively convert cash to OTT vouchers, available at thousands of Kazang retail points.
Netfluid is a registered Financial Services Provider (under management of FSP #46444) and we use advanced, quantum-safe encryption to protect your assets and data. Currency is held in Trust Accounts with registered Banks. Netfluid is not a bank but a financial services provider, your funds with us are not guaranteed under any government scheme. See our Terms of Service, specifically Section 9 "Risk Disclosure"
A few minutes. Any world-wide goverment issued ID, Driver's License or Passport is acceptable. You will need a valid email address and a mobile phone with a camera, connected to the Internet to complete the process. For South Africans both the Green ID book and Smart ID card is accepted. The document must be valid, issued by a government and have your photo on it. It may not be expired. Your details cannot be on any anti-money laudering (AML) list.
We only keep what's needed under the Law or as directed by Regulatory Authorities. We don't share your information with others unless directed to do so under the Law. Everything we hold is stored securely. See our Privacy Policy
The standard is a unique, secret username and 5-digit PIN. We support Biometric logins as well as NFC tap-cards with a PIN. Transactional level 2FA using Google Authenticator or a physical NFC card is optional. Sensitive information is always encrypted, sometimes one-way hashed and never directly available to the Internet. We use comparimentalised firewalls much like an onion contains multiple layers. These are features most Banks do not have.
Yes, they are available under the Profile menu, once logged in. Keep them safe.
Join thousands of customers who trust Netfluid for their cross-border financial needs. Create your account in minutes and start transacting today.