Simple pricing for controlled company spend
Join the waitlist for segregated wallets, spending limits, budgets, treasury, and global payouts — with simple subscription pricing and no hidden 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. Card issuing and banking services are provided through licensed, regulated partners.
For a full fee schedule, see /fees.
Frequently asked questions
Can I pay TikTok, Meta, Google, or X ads through Lynq?
Yes — that's the core use case. Create a dedicated wallet for each ad platform, set a daily or campaign budget, and every transfer is checked against your limits before it executes.
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account — or receive ACH and wire deposits through your dedicated virtual account details — and unused funds can be withdrawn back to your bank.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?
Yes. Vendor and contractor payouts are live: pay from your prefunded platform balance, settling in USD or in local currency across USD → EUR, MXN, and BRL corridors at a 1% all-in FX rate. Stablecoin custody and payment services are provided by Bridge (Bridge Building Inc. / partner banks). You can also accept USDC from payers via a dedicated liquidation address.
How does the Free tier work?
Start with 1 user, up to 3 active wallets, and full access to core spend controls — no monthly subscription. Upgrade anytime to unlock more users, wallets, and features.
When will the platform be available?
We are opening access to waitlist members first. Join the waitlist and we'll reach out with next steps as accounts become available.
Join the waitlist
Be first to get prefunded wallets with spending limits, budgets, treasury, and real-time visibility.
Lynq Capital is a financial technology company and is not a bank. Card issuing and banking services are provided through licensed, regulated partners. Cards are prefunded commercial debit cards funded in advance; Lynq Capital does not extend credit.