Join PIQ
Product

Everything PIQ does.

Pay and get paid. See everything you own in one balance. Swap, earn and borrow. And when you’d rather just say it, Atlas works out how.

Friends raising glasses over dinner
PayDinner
Maya Chen@maya
$24.00
From your dollars
Pick a friend$Type the amountApprove with Face ID

Pay

Pay anyone, by name.

Find a friend by their @name, type the amount, add a note, and approve with Face ID. It arrives in seconds.

  • Pay by @name, from your contacts, or by scanning their QR code.
  • Pay from your dollars, or from what you own (coming next).
  • Every payment needs your Face ID. Nothing moves without you.
Two friends laughing under a blue sky
Scan to pay me
@sam
RequestRequested
PriyaBrunch$28.00
Split · Picnic2 of 3 paid
$36.003 ways

Get paid

Get paid. Ask for it. Split it.

Share your @name or your QR code. Request what you’re owed, or split a bill and see who’s paid at a glance.

  • Your QR code works for anyone with PIQ.
  • A request lands with your friend, ready to pay in one tap.
  • Splits keep track of who’s paid and who hasn’t.
Two friends laughing at a picnic table outside a mountain cabin
Maya paid JakeCabin weekendFriends
SYou paid AlexGroceries for the tripOnly you two
SPriya paid youGas on the way upFriends
You choose who sees each payment

Friends

See what your friends are up to.

Home is a feed of the payments between you and your friends: dinners, tickets, trips. It makes paying each other feel like part of the plan.

  • You choose who sees each payment you send: Friends, or only the two of you.
  • The person you pay can hide it from their feed.
  • Add friends by @name or from your contacts.
A bright yellow building against a blue sky with clouds
Your balanceExample
$14,520.57
Across 3 places, 6 assets
PIQ WalletDollars, Ethereum$5,730.58
BrokerageApple, NVIDIA shares$5,849.99
Crypto exchangeBitcoin$2,940.00
Connect your accountsSee one balanceUse it all in PIQ

Your balance

Everything you own. One balance.

Your PIQ Wallet, plus the brokerage and crypto accounts you connect: shares, crypto and dollars, added up in one number you can use.

  • Connected accounts stay with the institutions that hold them.
  • See every holding, where it’s held, and what it’s worth.
  • Prices come from the market or from your broker, with the time shown.
SwapComing next
You give
You get about

At least , shown before you approve

Pick what to swapSee the least you’ll getApprove with Face ID

Swap

Swap between what you own.

Dollars to Bitcoin, Ethereum to dollars, and soon shares too. PIQ finds the route, shows you the least you’ll get, and you approve.

  • See what you’ll get, and the least you’ll get, before you approve.
  • Dollars, Bitcoin, Ethereum and more. Swapping shares is coming next.
  • Approve with Face ID. Swaps settle in seconds.
Striped beach chairs under a pink umbrella on a sunny beach
EarnExample rates
Earned this month
+$18.421734
  • $Dollars$1,012.364.12%+$12.36
  • Ethereum0.40 ETH2.6%+$3.95
  • Bitcoin0.03 BTC1.2%+$2.11
+$0.61 today
No lock-up. Take it back anytime.

Earn

Put what you own to work.

Dollars, crypto and the other things you own can earn while they sit still. Move some into Earn, watch it grow every second, and take it back whenever you need it.

  • Rates are variable, and you see them before you start.
  • No lock-up. Take it back anytime.
  • See what you’ve earned, live, in the app.
Rates are variable. Earning involves risk.
A couple unpacking in their new home, boxes beside them
BorrowHealthy

Moving in? Get dollars without selling.

You get, now
$2,000.00
Locked, still yours · $4,970
  • 0.03 Bitcoin$2,520
  • 6 Apple shares$1,370
  • 0.40 Ethereum$1,080
Loan is 40% of what’s lockedPIQ’s limit 50%
No PIQ fee · Repay anytime

Borrow

Borrow without selling.

Need dollars but don’t want to sell what you own? Borrow against it. It stays yours, locked until you repay.

  • Borrow against crypto, shares and more. No PIQ fee; you pay a variable rate, shown first.
  • Repay anytime, in part or in full. What you locked unlocks when you do.
  • PIQ shows how healthy the loan is, all the time.
Rates are variable. Borrowing involves risk.
A busy, colourful market street
GroceriesComing next
$38.20
Paid with your Apple shares0.167 shares sold at $228.40, as you paid
$The market gets dollarsNothing new for them to set up
Choose what to pay withPIQ sells just enough$They get dollars

Pay from what you ownComing next

Pay from what you own.

Pay with your shares, your crypto or anything else you own, as if it were cash. PIQ sells just enough at the moment you pay, and the other side gets dollars.

  • Pick what to pay with at checkout, or set a favourite.
  • Only what the payment needs is sold. The rest stays invested.
  • Works anywhere you can pay with PIQ.

Add money and cash out

Money in. Money out.

Add dollars from your bank or card. Send them back to your bank whenever you want.

Add money
$500.00
From your bank or card
$Into your PIQ Wallet, as dollars
Cash out
$200.00
$From your dollars
To your bank account
A woman relaxing by a sunny window, looking at her phone
Piq Jake $50 for dinnerAny open requests?How much Bitcoin do I have, counting funds?Swap $200 of Ethereum to dollarsHow does borrowing work?
Atlas

Here’s the plan: pay @jake $50.00 for dinner.

From
Your dollars
Fee
$0.01
Why
You have enough dollars, so nothing needs selling.
Pay with Face IDChange

One. Priya asked you for $28.00 for brunch.

Pay Priya $28.00Not now

About $4,120. $2,940 you hold directly on your exchange, and about $1,180 through a Bitcoin fund in your brokerage.

Break it downWhere is it held?

Here’s the plan:

Give
About 0.074 ETH
Get
About $200.00
At least
$198.00
Swap with Face IDChange

You lock what you own and get dollars now. It stays yours, and unlocks when you repay. No PIQ fee; the rate is variable.

Tell me moreWhat can I borrow against?
Ask Atlas, or tell it what to do

Atlas

Say what you want. Atlas works out how.

Atlas is the intelligence built into PIQ. Ask about your money, or tell it what you want to do. Atlas finds the best way across everything you own, explains it in a sentence, and waits for your approval.

  • Ask in your own words: “Show my balance”, “Any open requests?”, “What did I send Jake?”
  • Tell it what to do: “Piq Jake $50 for dinner”. Atlas picks the best route by fees, speed and your preferences, and says why.
  • Atlas proposes, you decide. Nothing moves without your Face ID.

Things you can say to Atlas

Know your money

  • “Show my balance”
  • “Any open requests?”
  • “What did I send Jake last month?”
  • “How much Bitcoin do I have, counting funds?”
  • “Where are my Apple shares held?”

Move it

  • “Piq Jake $50 for dinner”
  • “Ask Priya for $28 for brunch”
  • “Swap $200 of Ethereum to dollars”
  • “Move $500 into Earn”
  • “Pay rent from my Treasuries”Coming next

Understand it

  • “How does borrowing work?”
  • “What does PIQ charge?”
  • “What did the Fed decide this week?”
  • “What’s inflation doing?”
  • “Explain that more simply”

Atlas proposes; you approve every move with Face ID. What it tells you about your money comes from PIQ’s own records.

What it costs

No subscription. Nothing hidden.

Moving value can carry network or provider costs. You see them before you confirm, never after.

  • No monthly fee to use PIQ.
  • Network and provider costs are shown before you approve.
  • No PIQ fee on borrowing. The variable rate goes to lenders.
Before you confirmExample
$50.00
To
@jake
From
Your dollars
Network fee
$0.01
PIQ fee
None
Subscription
None
Pay with Face ID

Under the hood

  • Privy
  • Base
  • USDC
  • Uniswap
  • Morpho
  • Gauntlet
  • SnapTrade
  • WalletConnect
  • Alchemy
  • MoonPay
  • Plaid
  • Polygon
  • Aave
  • 0x
  • OpenAI
PIQ builds on services and protocols from providers like these. Some are still in testing and not yet live in PIQ. All trademarks belong to their owners; showing them does not mean any partnership with, sponsorship by or endorsement of PIQ.

Join PIQ.

Your value. Your way. Free to move.

You’re in. One email, when it’s time.
On iPhone, opening to a limited set of people first.