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 — USDT, USDC, BTC, and gold — 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 — specific and reusable, priced in any of twelve currencies
The same security — passkey login, secure recovery, 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 with their own passkey and their own login. 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 in the app.
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 on approval rules, see "Multi-sig explained: how corporate wallet signing works.")
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 email and passkey, add a recovery contact, complete a quick identity check — and you can explore the app 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, the app will show 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
Some transfers ask you to confirm with your passkey a second time. That's a device-level security check on you — it exists on both account types and has nothing to do with business approvals. Business approval rules are different: they require other people to agree before money moves.
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:
Multi-sig explained: how corporate wallet signing works
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.