About Wave Digital
One app for the money
you hold in two worlds.
Most people now keep value in two places at once — a bank account and a wallet — and moving between them is slow, expensive and full of steps that make no sense to anyone who is not already an expert. Wave Digital exists to close that gap.
What we do
Crypto that spends
like ordinary money.
Hold
LiveWallets across more than 30 blockchains, with assets held by BitGo rather than on the platform itself, so your holdings do not depend on us staying online.
Convert
LiveOn-ramp with the cards and local payment methods you already use. Off-ramp back to fiat whenever you want, so you are never locked into a token.
Spend
LiveA payment card accepted across 170+ countries, without converting to fiat first — the step that makes crypto impractical for everyday use.
Bank-style accounts
Coming soonUSD and EUR multi-currency accounts with SEPA and SWIFT rails, operated by our regulated payment partner. Join the waitlist to hear when they open in your country.
Who operates Wave Digital
Three companies,
one service.
Financial services are rarely delivered by a single entity, and pretending otherwise helps nobody. This is exactly who does what, and it matches our Terms of Use word for word.
| Entity | Role | Registered |
|---|---|---|
| Wave Global Digital FZCO | Owns the website and mobile application. Data controller for your personal data. | United Arab Emirates No. DMCC201980 |
| Vault Fintech Solutions s.r.o. | Exchange of crypto assets to fiat and back, including insured exchange operations. | Czech Republic No. 216 27 002 |
| VAULT IST DMCC | Registration and onboarding of users; anti-money-laundering and know-your-customer checks. | Dubai, UAE No. DMCC198149 |
| Interlace (Qbitech) | Payment processing, multi-currency accounts, transaction execution and settlement, and related compliance screening. | Wyoming, USA |
How we work
What we will and
will not claim.
We are not a bank
Wave Digital and its payment service providers are not banks or credit institutions. No interest is paid on funds held through the Services, and those funds are not bank deposits covered by any deposit guarantee scheme. We say this on the homepage, not only in the terms.
Your assets sit with a custodian
Digital assets are held with BitGo rather than on our own balance sheet. Fiat balances are handled by licensed payment providers, not by us.
We check who our customers are
Identity verification and sanctions screening run on every account through SumSub, and we refuse or suspend service where the law requires it. It slows sign-up down. That is the point.
Crypto carries risk
Prices move, transactions cannot be reversed, and a total loss is possible. Read the Risk Warning before you transact — it is short and it is not boilerplate.
Get in touch
Questions before you start?
Ask us anything about accounts, cards or compliance — we would rather answer first than have you find out later.