Peniwyse Logo

Borderless Money.
No Hidden Fees.
Real Control.

A secure Canadian wallet for your digital dollars. Top up instantly with local fiat, convert to USDC and hold stable value. Send or spend worldwide in seconds without the headaches.

Real World Impact

"Penny wise,
dollar foolish" in real life.

You’ve been trying to be careful with bank fees — but the real leak has been in bad FX, delays, and platforms that don't put you in control.

Hidden Costs

Hidden Costs

Money lost to hidden FX spreads (often 2-4%) and mandatory conversions you didn’t plan for or authorize.

Wasted Time

Wasted Time

Days wasted waiting for funds to clear. While you wait, market opportunities move on without you.

Anxiety & Uncertainty

Anxiety & Uncertainty

The persistent stress of wondering if your withdrawal will be blocked or flagged for "manual review".

Spend your stablecoin anywhere, anytime

Peniwyse gives you compliant USDC rails in Canada so you can finally be wise about both pennies and dollars.

CAD ⇄ USDC rails, built for speed.

Fund with Canadian rails, convert with a transparent quote, receive USDC globally, and withdraw back to your Canadian bank — with clean transaction history and statements.

Fund CAD

$1,250.00

e-Transfer / EFTReady

Convert

CAD → USDC

Rate locked: 30sFee 0.75%

Receive USDC

0x3A7b…91F2

NetworkBase

Withdraw CAD

$600.00

To bank (EFT)1–2 days

Trust-first rails

Compliance + clarity by design

KYC onboarding

Required

Sanctions / PEP screening

Always on

Transaction monitoring

Velocity + limits

Statements & receipts

Monthly PDFs

Audit-ready logs

Enabled
9:41
Live quote1.36 CAD/USDC

Convert $500 CAD

Fee: 0.75% • Lock: 30s

CAD Balance

Fiat

$1,240

USDC Balance

Stablecoin

452.00
USDC Wallet

452.00

USDC available • Base network

Monitoring enabled
Peniwyse

A Canada-first stablecoin rail: fund in CAD, convert with clarity, receive USDC globally, and cash out to your bank — fast.

CAD railsTransparent feesRisk controlsLive quoteFast settlementQuick conversionUSDC receiveStatementsCAD fundingCAD railsLive quoteSimple UI

$4,860

Converted this month (CAD equiv.)

+15%
Transparent by default

LIVE QUOTES.
CLEAR FEES.

See the rate, fee, and estimated arrival time before you confirm. Export statements anytime for trust and audits.

Monthly statementsFree deposits and transfersSimple to use

Core Infrastructure

Always active

Quote preview

Locked

Rate

1.36

Fee

0.75%

Support & disputes

Built for trust when things go wrong

Funding delay

e-Transfer pending • 2h

Withdrawal status

EFT processing • ETA 1–2d

Dispute a transaction

Open ticket • attach evidence

Receipts & statements available

FRICTIONLESS MONEY MOVEMENT

Here’s what you can get done in your first 7 days with Peniwyse.

Built for Canadians who move or hold USD value. No more scrambling for USD exposure. No more risky exchanges. No more “Can this platform actually cash me out?” anxiety.

Fix the problem.

Today

Stop worrying about access to USD value, unstable platforms, and getting trapped in crypto UX hell.

  • Create your account + complete KYC in minutes
  • Get a compliant Canada-based wallet
  • Fund your CAD balance via e-Transfer / EFT
03

Start using real value.

Day 3

Use digital dollars like cash - spend, hold, and receive safely - anywhere.

  • Convert CAD → USDC instantly
  • Get a USDC receive address to accept funds
  • See clear transaction history + balances
07

Full circle.

Day 7

Easily move funds to any Canadian bank account. Ask why you didn’t have this years ago.

  • Hold stable USD value with confidence
  • Receive USDC from anywhere globally
  • Convert back to CAD + withdraw to your bank

No noise. Just clean, compliant rails that work.

Who Uses Peniwyse?

Built for people who live globally but bank in Canada.

Immigrants & Global Canadians
For people who move money

Immigrants & Global Canadians

Hold stable USD safely in Canada, convert to CAD when it makes sense, and withdraw to your bank without worrying about unreliable platforms or blocked withdrawals.

Freelancers & Remote Workers
For Canadians earning in USD

Freelancers & Remote Workers

Receive USDC from anywhere, keep your earnings protected from FX swings, and cash out smoothly to CAD when you’re ready — simple, compliant, and fast.

Canadian Businesses
For global payments

Canadian Businesses

A compliant Canadian USDC wallet that lets you manage USD value and convert to CAD easily, with the foundation to scale global payouts when you need it.

Comparison

Have you been penny wise,
dollar foolish with FX?

Traditional Canadian FX rails look “safe” on the surface, but slow transfers, hidden spreads, and blocked withdrawals quietly cost you real money. Peniwyse uses compliant USDC rails so you keep more of what you earn.

Traditional FX / Banks
Peniwyse USDC Rails
FX spread
2–4% baked into the rate
Transparent, competitive conversion
Speed
“3–5 business days” roulette
Near-instant settlement
Control
Bank decides when & how
You convert when it makes sense
Reliability
Holds, limits, random reviews
Built for cross-border realities
Transparency
Fees, spreads, and rules are opaque
Clear pricing, clear rules
Experience
Paperwork, phone calls, anxiety
Modern, self-serve, predictable
True cost over time
Quietly expensive year after year
Keeps more of your real value intact

Security you don’t have to think about

Designed to quietly protect your money while it moves - without getting in the way.

Secure by Design

Built as a Canadian MSB from day one: strong KYC/AML, sanctions screening, chain analytics, and strict access controls. We use defense-in-depth security so your CAD and USDC stay protected while you move value across borders.

Privacy
Encryption
Passkeys
MFA
Compliance

READY TO BE SMARTER WITH YOUR MONEY ?

You are one click away from using your digital assets anywhere.

Live Exchange
REALTIME
🇨🇦
USDC / CADCanadian Dollar
1.35420.12%
🇺🇸
USDC / USDUS Dollar
1.00020.01%
🇬🇧
USDC / GBPBritish Pound
0.78940.04%