Simple pricing for controlled company spend
Start with a wallet for your AI workflows. Add users and wallets as your team grows, with published subscription prices and usage fees.
Usage fees
Transparent transaction fees
Wallet issuance is included on every plan. Third-party fees pass through at cost.
| Fee type | Rate | Notes |
|---|---|---|
| Wallet issuance | Included | No per-wallet fee on any plan |
| ACH & virtual-account deposits | 0.5% | Deposits to your dedicated account & routing details |
| Prefunded spending | No platform fee | Spend draws on your prefunded balance |
| Vendor & contractor payouts | From 0.4% | Per payout from your platform balance |
| FX USD → EUR, MXN, BRL | 1% all-in | No hidden spreads |
| Accept USDC (auto-converts to USD) | 1% | Via a dedicated liquidation address or static memo |
| Wire deposits | Pass-through | Bank wire fees passed through at cost |
| Third-party fees | Pass-through | ACH returns, wire, and network fees pass through at cost |
One spend platform
Every plan covers the same core platform: prefunded wallets, spending limits & controls, real-time visibility, and audit logs.
Lynq Capital is a financial technology company and is not a bank. Stablecoin custody and payment services are provided by Bridge (Bridge Building Inc. / partner banks).
For a full fee schedule, see /fees.
Frequently asked questions
What can my AI agent do with a wallet?
Connect an MCP-compatible client to read company wallet balances and activity, create labeled wallets, and draft payout requests. Your agent cannot approve or execute payouts. Card issuing and autonomous online checkout are on the roadmap.
Is this a credit product?
No. Every Lynq balance is fully prefunded. You fund your account by ACH from your linked business bank account, and wallets can only spend what you've deposited. There is no credit line, interest, or personal guarantee.
Do I need a separate bank account to use Lynq?
No. You keep your existing business bank account and link it to Lynq. You prefund your balance by ACH from that account — or receive ACH and wire deposits through your dedicated virtual account details — and unused funds can be withdrawn back to your bank.
Can I pay vendors internationally?
International payouts and USDC acceptance require partner activation and confirmation from our team. Contact us to check availability for your business and USD to EUR, MXN, or BRL corridors. The published FX rate is 1% all-in; review the full fee schedule and your quote before approving a payout. Funds remain custodied by Bridge and licensed partners.
How does the Free tier work?
Start with 1 user, 1 active wallet, MCP access, and wallet spending limits. Payout approvals require a different admin from the requester, so choose a team plan when you need that workflow.
When will the platform be available?
Free and Starter workspace signup is available with Google or an email verification code. Funding and payment features require business verification and partner activation. Contact us for Pro or Enterprise.
Contact us
Talk to our team about prefunded wallets with spending limits, budgets, treasury, and real-time visibility.
Lynq Capital is a financial technology company and is not a bank. Stablecoin custody and payment services are provided by Bridge (Bridge Building Inc. / partner banks). All spending is prefunded and funded in advance; Lynq Capital does not extend credit.