Firma

Get Paid. Keep it All.

Firma is the global money app that pays you instantly. Zero fees. No chargebacks. You keep 100%.

Banks hold your money for days and take a cut on the way. Firma pays you the second they pay you.

Freelancers and entrepreneurs get paid from anywhere and keep every cent. Friends split payments and families send money home free - it arrives instantly.

— 10 seconds to start —
 Pick a username. You're live. Add money by stablecoins, card or bank.

— Send Money Anywhere —
Firma App. Text. DMs. Socials - free. No account needed on their side, sign up to claim. Payments arrive instantly, 24/7 - no holds, no delays, no weekend cutoffs.

— One Balance. Many Currencies —
Get paid, spend, and hold CHF, EUR, and USD in one balance. Convert instantly at live rates within 1% - no markups or hidden float fees.

— Money In. Money Out —
Every rail connected. Your personal USD account in your own name - ACH and FedWire. Top up and withdraw by bank transfer, stablecoins (USDT, USDC, EURC) or card.

— No Transaction Fees —
Send and receive to Firma users for free - personal or business. Save the 3–5% payment processors take. Payments are final: no chargebacks, no fraud, no risk.

— Trusted. Transparent. Always 1:1 —
Your money moves through a Swiss-regulated, licensed platform. Your money is always yours. Only you can move it - secured with passkeys, Face ID, or your recovery phrase. Every Firma franc, euro, and dollar is fully cash backed - never lent out, never invested.

— Regulated Financial App —
Operated in Zug, CH. Firma Operations AG - licensed Swiss SRO (VQF under FINMA). Firma Holdings Inc - money transmission, custody.

Firma — Instant. Global. Paid.

Availability depends on your location. Download Firma today to see what's available for you.