Pine Wallet

Pine Wallet sorts your money into accounts, like envelopes: one for rent, one for expenses, one for savings. Sign in with your email, with no passwords or seed phrases, and nothing moves unless you approve it.

An account for every goal
• Create expense and savings accounts, each with its own balance.
• Set a goal for your savings and a monthly limit for your spending.
• See your total balance, plus the history, income and expenses of each account.

Send and get paid
• Move money between your accounts instantly.
• Send to other Pine users by email, username or address.
• Send and receive USDC, USDT and other tokens on BNB Chain, to and from any wallet or exchange.
• Get paid with a QR code or a link for the exact amount.
• With your first 3 accounts, transfers between your accounts and to other Pine users are free.

Your bank, connected
• Cash out to your bank account: euros via SEPA, or bolívares via Pago Móvil and bank transfer.
• Deposit euros from your bank and receive them as USDC in your account.
• See the rate and fees before you confirm.

Pine Plus
• Let the money in your savings accounts earn yield with Pine Plus, through the Morpho protocol.
• Choose from several options and withdraw anytime, with no lock-up periods.
• Yield is variable and not guaranteed, and there is a risk of loss.

Swap tokens
• Swap between USDC, USDT, BNB, ETH and other tokens, with quotes from third-party liquidity providers.

Security
• Self-custody: Pine never holds your keys or your funds. Each account is a smart wallet on the blockchain that only you control.
• Turn on fingerprint, face or passkey confirmation for every transaction, and lock the app when you open it.
• Before you sign, the app checks on your phone that every send, swap or withdrawal does what you see on screen.
• Export your private key whenever you want.

Share Pine
• Share your code and get a share of the fees your friends pay.

Pine Wallet is not a bank and does not hold your funds. Banking services are provided by third-party partners and require identity verification. Availability, fees and limits depend on your country. Pine Plus uses third-party protocols. Review each service's terms in the app.