Rucu Pichincha Volcano
Instant Settlement • Zero Hidden Fees

The Smart
Financial OS
for Merchants.

Accept borderless payments, manage your business, and get AI-driven financial insights. Powered by Solana.

Live on Solana Mainnet
Ruku
Available Balance
$42,590.00
$1,240.50 Today
USDC Settlement
Completed
+ $450.00
EuroC Transfer
Completed
+ €120.00
Solana Pay
Completed
+ 2.5 SOL
Payment Received
Just now

Built for Independent Professionals

Whether you are a freelance tutor, a digital nomad, or a local shop owner, traditional banking slows you down with high fees and delayed settlements.

No Middlemen

Ruku Pay eliminates the middleman. Keep more of what you earn with instant crypto-to-fiat conversions.

Global Reach

Accept payments from anywhere in the world without the traditional cross-border friction.

AI Powered Math

Let our AI handle the math. Intelligent categorizations and insights without needing a financial degree.

Core Features

Everything you need to run your business smoothly, right out of the box.

Instant QR & Link Payments

Frictionless checkout. Generate QR codes for in-person sales or send payment requests via SMS and Email to get paid instantly anywhere in the world.

Instant QR & Link Payments

Agentic Banking (Your AI CFO)

Manage your money through simple text commands. Ask your AI assistant to analyze your monthly spending, execute transfers, or summarize your financial behavior.

Agentic Banking (Your AI CFO)

Automated Monthly Statements

Clean, clear, and ready for your records. Export your financial activity with comprehensive monthly statements to keep your accounting stress-free.

Seamless Fiat-Crypto Gateway

Move effortlessly between local currency and digital stablecoins with highly competitive margins.

Simple, Transparent Pricing

Designed for businesses looking to scale without the burden of high transactional fees.

Base Tier

Perfect for getting started

Free

What's included

  • Flat $0.25 USD fee per transaction. Replaces high variable costs from traditional fiat processors (avg. 2.9% + $0.30).
  • Instant QR & Link Payments
  • Basic Monthly Statements
Recommended

Premium Merchant

For growing businesses

$9.99/mo

Everything in Base, plus

  • Unlock 1,000 AI Credits for Agentic Banking
  • Advanced business analytics & insights
  • Priority feature access & beta testing

Product Roadmap

Our vision for the future of decentralized commerce. See what we are building to help your business scale.

Agentic Banking & QR Payments

Live Now

Execute transactions via AI text commands and accept instant QR payments.

Inventory & Stock Management

Coming Soon

B2B tools to register physical products, track real-time stock, and manage hourly services directly from your wallet.

Biometric POS (Palm Pay)

In Development

The future of in-person retail. Secure, cardless checkouts using advanced palm recognition technology.

Crypto Micro-loans

On the Horizon

Instant liquidity for merchants and users based on on-chain transactional history.

Real-World Asset Tokenization

Future Vision

Democratizing investment. Tokenize and trade fractional ownership of physical assets like real estate.