Same wallet, same money features — the Business account adds a layer of control: who can act, who must agree, and a record of everything.
The one-line answer
An Individual account is a wallet. A Business account is a wallet with a control room attached.
Everything an individual can do with money, a business can do — and vice versa. The difference is that a business can divide those powers among people, require several of them to agree before money moves, and keep a record of who did what.
What's identical (which is most of the product)
Both account types get the same core machinery:
The same assets — USD₮, XAU₮ (gold), and BTC — across the same twelve networks
The same ways to move money — wallet to wallet, to any external address, and bank rails in and out
The same Payment Links — one-time and reusable
The same sign-in and account recovery — an emailed sign-in link, a recovery email contact, and beneficiary management
The same statements and transaction history
If you're one person getting paid and paying others, the Individual account isn't a "lite" version — it's the complete product.
What the Business account adds
Every business-only feature answers one of three questions: who can act, who must agree, and what's on record.
Who can act — Members and Roles Invite your colleagues and co-owners onto one account, each signing in with their own email address. Then control precisely what each person may do — roles like owner, admin, and viewer sit on top of fine-grained permissions covering who can send, swap, add bank accounts, create payment links, manage beneficiaries, and more. Your accountant can see everything and touch nothing; your ops lead can prepare payments without the power to release them.
Who must agree — Approval rules Set your company's payment policy in plain English: "any 2 of 3 people must approve before money moves; transfers above a threshold need more approvals; the largest ones are held for a waiting period." Once set, the rule applies to every transfer automatically. Pending approvals appear in each approver's inbox in real time — a colleague requests, you see it instantly, you approve or reject.
What's on record — the Activity log A running audit trail of what happened on the account and who did it. When several people share access to company money, attribution isn't a nice-to-have — it's how disputes end before they start.
(For the full picture, see "Approval rules: how business payments get authorised".)
One login, both worlds
You don't need a second identity to run a business account. Your personal profile and your business live side by side on one login, and you switch between them from the sidebar. Your personal wallet stays personal; the company's money sits under the company's rules.
Getting verified: what to expect
Individual: sign up with your email address, add a recovery email contact, complete a quick identity check — and you can look around from day one. Verification gates converting cash, not looking around.
Business: the same start, plus the steps needed to verify a company — business information, documents, and declaring the company's beneficial owners, each of whom completes their own identity check.
One thing worth knowing up front: while your business verification is pending, you'll see only "Wallet setup". The dashboard, payment links, and team features appear once verification is approved — so a quiet screen during review is normal, not broken. Have your company documents ready before you start and the wait stays short.
Don't confuse these two
Getting into your account and getting a payment authorised are separate things. Signing in is about proving it's you: you enter your email address and open the link we send. Business approval rules are about other people agreeing — they require your named approvers to sign off before money moves, no matter who started the payment.
Which should you choose?
Just you? Individual. It's the full product.
More than one person touching company money — or anyone you'd want oversight on? Business. What you're gaining is control, delegation, and an audit trail; the money features you already have.
Related articles:
Approval rules: how business payments get authorised
Payment Links: get paid by anyone, receive exactly what you asked for
Still have questions? Message us in the chat — we're happy to help.