Pangea Bankless

Seamless neo-banking experience, without the bank

Manage funds, without a bank

Manage banking accounts like you are using Revolut, Bunq or N26. Decentralized bankless banking is here.

International payments without borders

Send to any account, on Pangea or other networks. No borders, No limits, no fuss.

Manage spending limits and security controls

Easily control your wealth, by setting spending limits per day or multi-factor checks for different amounts.

Multi-party controls for DAOs

Collectively control funds as a DAO. Each DAO group can have it’s own funds to manage. Choose security policies for transaction authorization requirements to match your needs.

Pangea Bankless represents an advanced, decentralised platform for payment processing and financial resource management. This platform facilitates secure and autonomous financial transactions and management for Pangea citizens and DAOs.

Pangea Bankless is powered by Tonomy PAY

Pangea Bankless takes the fuss out of global finance

Guaranteed FREE
accounts for Citizens

Super low, predictable
fees for DAOS

Easy and flexible
wealth management

Safer web3
payments

Secure multi-party funds manager for any DAO

Near-instant
global settlement

Pangea Bankless is a combination
of non-bank, invoicing, web3 and self-regulation services

Pricing  Model

Pay with LEOS and other assets for goods and services in Pangea and other networks. For Citizens and DAOs.

Payments

Paid with
free-market LEOS

Where the money goes

Structure

SaaS
monthly fee

Familiar model + hides infrastructure complicities

Price in fixed
$ value

Predictable and easy for institutional adoption and users
Starter
free
Multi-assets
$0.05
Ƚ1.90
Wealth Manager
$0.08
Ƚ3.00
Payments
FREE
FREE
FREE
Security threholds
Multi-factor Authentication
Built-in Receipts
Withdrawal limits
Multi-chain payments
NFT assets
Multi-account budgeting
Advanced Payments Analytics

Credit Card

$5.50 / card
Sign data with European Union recognized digital signatures

Hardware wallet

$27.50 / NFC Keycard
Sign data with European Union recognized digital signatures

Banking as a Service

On-request
Sign data with European Union recognized digital signatures
DAO PAY Starter
free
DAO PAY Pro
$0.05
Ƚ1.90
DAO PAY Advanced
$0.08
Ƚ3.00
Payments
$0.01
$0.01
$0.01
Security threholds
Multi-factor Authentication
Built-in Receipts
Withdrawal limits
Multi-chain payments
NFT assets
Multi-account budgeting
Advanced Payments Analytics

Credit Card

$5.50 / card
Stay using your favorite payment methods with a convenient Debit Card

Hardware wallet

$27.50 / NFC Keycard
Easily use a NFC smartcard with an embedded private key to sign digital transactions offline.

Banking as a Service

On-request
Setup BaaS integrations for your financial zone for easy payments integration.

Comparison with Existing Web3 Wallets

User Interface
Security Controls
User Experience
Payment Protections
Fund Risk Protection
Pangea Wallet
Neo-bank like
(easy)

Pangea Bankless Positions itself as a mainstream ready banking app

Daily, multi-factor &multi-party controls

Multiple controls can be easily set up within your account to control different levels of wealth

Low latency, scaleable, invisible cryptography

Built on scaleable, low latency technology with Pangea Passport for seamless transactions.

Sovereign key recovery, contact address book

Built in account recovery as part of Pangea Passport and easy contact book to ensure correct recipient

Within Pangea self-regulating Liquid Democracy

Pangea policy, created by collaborative with Liquid Democracy, helps institutions self-regulate

Other Wallets
Web3 Wallet
(difficult)
Controls need to be setup through creating multiple accounts or expensive DAOs
Slow, unscaleable,technical barriers
Loose your key, loose your funds
No regulation.
Many hacks & fraud
Pangea Wallet
User Interface
Neo-bank like
(easy)

Pangea Bankless Positions itself as a mainstream ready banking app

Security Controls
Daily, multi-factor &multi-party controls

Multiple controls can be easily set up within your account to control different levels of wealth

User Experience
Low latency, scaleable, invisible cryptography

Built on scaleable, low latency technology with Pangea Passport for seamless transactions.

Payment Protections
Sovereign key recovery, contact address book

Built in account recovery as part of Pangea Passport and easy contact book to ensure correct recipient

Fund Risk Protection
Within Pangea self-regulating Liquid Democracy

Pangea policy, created by collaborative with Liquid Democracy, helps institutions self-regulate

Other Wallets
User Interface
Web3 Wallet
(difficult)
Security Controls
Controls need to be setup through creating multiple accounts or expensive DAOs
User Experience
Slow, unscaleable,technical barriers
Payment Protections
Loose your key, loose your funds
Fund Risk Protection
No regulation.Many hacks & fraud