About BananaCrystal · Founded 2020

Two products. One payment layer for the whole world.

BananaCrystal moves money in 150+ local currencies, in seconds, for two kinds of customers: the people and businesses the big payment processors left out, and the AI agents that now transact on their behalf. Both run on the same rails, the same liquidity pool and the same reserves.

🏛 Registered MSB, Canada and U.S. 🌍 150+ local currencies 🔗 Settled on Hedera 🗺 Africa · Europe · Americas · Asia-Pacific
Get paid anywhere → Connect an AI agent
🤖
Product 01

AI Agent Payments

One MCP endpoint, 40 tools. Any AI agent can check balances, send stablecoins, swap currencies and move fiat, with spending limits and OTP approval. Agents can claim a payable name.
Our mission

Let anyone, anywhere, pay and get paid in the currency they actually use, at a cost close to zero, without asking a bank for permission.

BananaCrystal started in 2020 with a narrow problem. Converting a local currency into US dollars, in most of the world, meant a bank that would take days, a bureau de change that would take a cut, or both. We built a peer-to-peer market where people traded dollars directly for their own currency at a rate they chose, first in Africa, then across Europe, the Americas and Asia-Pacific.

The same thing kept happening after the trade: people wanted to spend the money, get paid with it, and move it across borders without a bank in the way. So we turned each currency into a stablecoin backed 1:1 by fiat in reserve, pooled them, and settled every transfer on the Hedera network in under 5 seconds. That became the platform behind both of today's products.

What we build

Two products, one set of rails.

Pick the one that fits. Many customers use both: a store that gets paid in any currency, and an agent that manages the balance.

Product 01 · For AI agents and developers

AI Agent Payments

A single MCP endpoint at agentic.bananacrystal.com/mcp that gives any AI agent the ability to check balances, send stablecoins, swap currencies and handle fiat deposits and withdrawals. Every transfer passes a permission scope check, a spending cap, an idempotency check and a human-approved OTP before a single token moves. An agent can claim a payable name, so people and other agents can pay it by name instead of by wallet address.

  • 40 production MCP tools
  • Works with Claude, ChatGPT, LangChain, CrewAI, AutoGPT
  • Per-key scopes and spending limits
  • OTP on every outbound transfer
  • Payable agent names
  • 0.3% per transfer · 0.5% per swap
See the MCP server →Claim an agent name
Both run on:Currency liquidity poolHedera settlement, under 5s1:1 fiat reservesUSD debit cardOne account, one balance
How we got here

From a currency desk to payment rails for agents.

Six years, one direction: remove the bank from the middle of the payment.

2020

Founded

BananaCrystal opens as a peer-to-peer market for trading US dollars against local currencies, built for people whose banks made that slow and expensive.

2021 to 2024

The platform takes shape

Stablecoins for 150+ currencies backed 1:1, business accounts with a virtual terminal, the P2P platform with escrow and dispute resolution, the universal digital dollar account, and the USD debit card.

2025

First MCP server for agent payments

We launch a Model Context Protocol server so AI agents can hold balances, transfer, swap and move fiat with the same guardrails a human account gets.

2026

Two products, one platform

40 production MCP tools, payable agent names, stores that take payments from people and from agents, and Get Paid Anywhere: local-currency payments between any two countries, settled in seconds.

What runs underneath

The same three things under every payment

Whether the sender is a shop owner in Accra or an AI agent in a data center, the payment moves the same way.

💧

Currency liquidity pool

More than 150 local-currency stablecoins, NGNb to KRWb to USDb, pooled so any one can be converted into any other at the live rate for a flat 0.5%. No correspondent chain, no spread hidden in the price.

🔗

Hedera settlement

Every transfer and swap settles on the Hedera network in under 5 seconds, any hour of any day. Each one is written to the consensus layer: timestamped, tamper-proof and publicly verifiable.

🏦

Reserves held 1:1

Every token in circulation corresponds to one unit of fiat held in reserve. No fractional reserve. Anyone can check the holdings on Hashscan, at any time.

By the numbers

A live platform, not a roadmap

2020
FoundedSix years operating
150+
Local currenciesEach backed 1:1
<5s
SettlementOn Hedera, 24/7
40
MCP toolsAll live, all guarded
0.3%
Transfer fee0.5% per swap
4
Continents servedAfrica, Europe, Americas, Asia-Pacific
🔒 Reserves and transactions verifiable on Hashscan
Company facts

The record, in one place.

For customers, partners, journalists and anyone doing due diligence.

Legal statusMoney services business. Not a bank. We do not lend and we do not hold fractional reserves.
RegistrationsFINTRAC, Canada (money services business). FinCEN, United States (money services business).
Founded2020
ProductsAI Agent Payments (MCP server, payable agent names). Get Paid Anywhere (cross-border local-currency payments, stores, Pay Button, embeddable checkout). USD debit card.
InfrastructureHedera network for settlement and the audit trail. Hedera Token Service for currency stablecoins. Model Context Protocol for the agent interface.
Currencies150+ local currencies as stablecoins, each backed 1:1 by fiat held in reserve and verifiable on Hashscan.
SettlementUnder 5 seconds between accounts, 24 hours a day, every day. Bank withdrawal through local off-ramp partners.
Fees0.3% per transfer. 0.5% per currency swap. 1.99% to accept store, Pay Button and embed payments. No monthly, setup or minimum fees.
CoverageAccounts from any country except sanctioned jurisdictions. Users served across Africa, Europe, the Americas and Asia-Pacific since 2020.
ComplianceKYC and AML program applied at withdrawal. Sanctions screening. Spending limits, permission scopes and OTP approval on every transfer.
Regulation and trust

Registered in two jurisdictions.

We are a money services business, not a bank, and we operate under the rules that apply to one.

🇨🇦

Canada · FINTRAC

Registered as a money services business with the Financial Transactions and Reports Analysis Centre of Canada, covering foreign exchange and virtual currency dealing.

MSB REGISTRATION · FINTRAC
🇺🇸

United States · FinCEN

Registered as a money services business with the Financial Crimes Enforcement Network of the U.S. Department of the Treasury.

MSB REGISTRATION · FINCEN
🪪

KYC at withdrawal

Funding a wallet and paying other users needs no verification. Identity checks apply when money leaves the platform to a bank account, in line with KYC and AML obligations.

🛡

Guardrails on every transfer

Spending caps, permission scopes, idempotency checks and OTP approval apply to humans and AI agents alike. No transfer executes without the account owner's code.

🏦

Reserves you can audit

Every currency stablecoin is backed 1:1 by fiat held in full. Holdings are visible on Hashscan to anyone, with no request and no waiting.

📋

An audit trail nobody can edit

Every transaction is written to the Hedera consensus layer: timestamped, tamper-proof and public. That record is the same one we see.

🤝

Escrow and dispute resolution

For peer-to-peer trades and high-value sales, funds sit in escrow until both sides confirm, with a dispute process if they do not.

🔍

Nothing to take on faith

Fees are shown before you confirm. Rates are live. If a number on this site cannot be checked, we do not publish it.

Built with

Standards and networks we build on

Open protocols where they exist. Public ledgers where it matters.

🔗 Hedera network 🪙 Hedera Token Service 📋 Model Context Protocol 🔍 Hashscan reserve verification 🤖 Claude🤖 ChatGPT and OpenAI Responses API🧩 LangChain🧩 CrewAI🧩 AutoGPT🛒 WordPress and WooCommerce💳 Visa debit card
Who we build for

Money should not depend on which bank will have you.

Most payment companies start with the markets that are easiest to serve. We started with the ones that were hardest, and built outward.

🌍

People the processors skip

A freelancer in Lagos, a shop in Nairobi, a family in Manila. If you can open a bank account or a mobile money account, you can get paid from anywhere and spend in your own currency.

🏪

Businesses selling across borders

Stores, agencies, marketplaces and platforms that want to accept every buyer's currency, pay out to every seller's currency, and stop losing margin to conversion fees and chargebacks.

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Developers and their agents

Teams building AI agents that need to move real money with real limits. One endpoint, 40 tools, a payable name, and a human in the loop on every transfer.

Newsroom and contact

Press, partners, and careers

📰

Press and media

Company facts above are current and may be quoted. For interviews, data or comment, reach the team through the contact page and mark the message for press.

Contact for press →
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Partnerships

On-ramp and off-ramp providers, platforms that want local-currency payouts, and developer tools that want payments in their agents.

Partnership program →
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Careers

We hire people who have lived the problem: engineers, compliance specialists and operators from the markets we serve.

Open roles →
FAQ

About BananaCrystal

LAST REVIEWED: OCTOBER 2026

Start here

Pick the product that fits. Or use both.

A free account covers everything: a store that gets paid in any currency, an agent that manages the balance, and a card to spend it.

No monthly fee. No setup fee. KYC only when you withdraw.

Get paid anywhere →Connect an AI agent
FREE ACCOUNT · 150+ CURRENCIES · SETTLED IN SECONDS