SMASHPAY vs. PAYONEER
A stablecoin account built to hold USD. Not just receive it.
Payoneer is a solid tool for receiving freelance payments. SmashPay is stablecoin-native: your USD lives in your own self-custodial wallet and you move it on your terms.
Claim your spot for a real US dollar stablecoin account.
An honest comparison
Payoneer
SmashPay
Best for
Receiving freelance/marketplace payments
Holding & operating in USD stablecoin
Stablecoin-native
No
✓ Yes
Custody transparency
Standard e-money
Self-custodial — your wallet
Multi-rail payout
Limited to supported rails
✓ Any bank, wallet, or card
Conversion cost
~2% FX + fees
1.19–3.49%, all-in
Custody partner
Payoneer
Self-custodial — your wallet
SmashPay figures are from our published Fee Schedule. Figures for other providers are indicative, are not independently verified by us, and change — check their current pricing before relying on it.
Payoneer pricing is approximate; check their site for current rates.