Money at the speed of the internet.
Peyra is the wallet and payments network for the euro — settling instantly on Circle's MiCA-regulated EURC. Send to a handle, scan a QR, split a bill, or wire logic into every payout.
Send · Scan · Split · Escrow · Recurring · Agent-native API
One rail. Every way money moves in Europe.
Send by handle
Pay anyone with a @handle. Sub-second, free peer-to-peer.
Scan-to-pay QR
Point, confirm, done. Merchants get paid instantly — no T+2.
Split a bill
Rent, dinner, a trip — split a payment across friends automatically.
Marketplace split
Seller and your platform fee settle atomically, in one transfer.
Escrow release
Funds held safely, released the moment a job is marked done.
Recurring rules
Subscriptions and rent on schedule — no card network.
Agent-native API
Spending rules and real-time microtransactions for software agents.
Describe the rule once — Peyra settles every leg atomically, always netting to zero.
See the business platform →Watch a euro move in one second.
Pick a person, enter an amount, confirm with your PIN. The transfer posts to Peyra's double-entry ledger and settles on Circle's EURC — finalised on-rail, 24/7. Tap the phone to drive it yourself.
Pick a person
Send to a @handle — nothing to copy, nothing to mistype.
Enter an amount
Any amount, any day. Peer-to-peer is always free.
Confirm with PIN
Argon2-hashed and authorised by you alone.
Settled & final
Sub-second finality on Circle EURC, double-entry ledgered.
One balance. Two sides of a ledger. Real rails beneath.
Every payment posts as a balanced double-entry on Peyra's own ledger, then settles on Circle's EURC through Bridge — and reconciles back, so external balances are checked, never trusted.
External balances on Circle are checked against our own ledger on every movement, never trusted. Integer cents end-to-end, never floating point.
A euro in Lisbon is a euro in Tallinn.
No in-network walls, no FX surprise on cross-border. Every transfer lands with identical speed and cost — whether it crosses the street or the continent.
Nobody has built the rail. Only the apps on top of it.
| Pan-European | Stablecoin rail | No bank needed | Programmable | Transaction fee | |
|---|---|---|---|---|---|
| Wero | Partial | No | No | No | Free (P2P only) |
| Revolut | Yes | No | No | No | 0.5–2% |
| SEPA Instant | Partial | No | No | No | €0.20–2.00 |
| Card networks | Partial | No | No | No | 1.5–3% |
| Peyra | Yes | Yes | Yes | Yes | 0.5% · free P2P |
Up to 5× cheaper than card networks — the only product targeting all five dimensions at once.
Three things just became true at once.
MiCA is fully in force
Across all 27 EU member states, euro-backed digital currency can be issued and transferred legally. This foundation didn't exist three years ago.
EURC is live
Circle's EURC is MiCA-compliant and backed 1:1 by euros in a licensed custodian. A regulated euro money-layer exists for the first time.
Sub-cent settlement
Modern rails clear tens of thousands of transfers per second for a fraction of a cent. Instant, near-zero-cost settlement is ready.
Start free. Expand to what you need.
Send to anyone, any amount, instantly.
Per transaction. Instant settlement included.
Transparent spread, mid-market rate.
Volume-based pricing for platforms.
The money layer for a real-time Europe.
Join the waitlist for the private beta. Consumers get the wallet first; builders get sandbox API keys and priority onboarding.