FEATURES
Everything you need to move money globally.
Bruce is a global money app for sending, receiving and getting paid anywhere in the world. Users hold dollar-backed digital money (USDC) in a self-custodial wallet and pay anyone by @username, QR code, payment link or invoice - instantly.
Money
Hold, send and receive dollar-backed money anywhere in the world.
- Global dollar walletA self-custodial wallet that holds dollar-backed digital money (USDC) you can use from any country.
- Send and receive money instantlySend money to anyone in the world by @username, pay handle or wallet address - it arrives in seconds with 0% fees.
- @username pay pageEvery user gets a public pay page at bruce.money/username so anyone can pay them from a link.
- Pay QR card and scan to payNewDownload or share a printable Bruce Pay QR card, and scan any Bruce QR code to pay instantly.
- DiscoverNewUse Bruce Directly at these Businesses Using USDC on Base!
- Add money with local payment methodsTop up your Bruce balance with a card, bank transfer or local payment methods in more than 50 currencies.
- Withdraw to your bankCash out your Bruce balance to a bank account - ACH in the US, SEPA in Europe and international wire elsewhere.
Payment tools
Ways to request, protect and schedule payments.
- Payment requests and remindersRequest money from anyone and let Bruce send polite reminders until you are paid.
- Payment linksCreate a shareable link for a fixed or open amount that anyone can pay - with one-time and auto-expire options.
- Escrow paymentsProtect both buyer and seller: money is locked in a smart-contract escrow and released only when the deal is done — 0% fees.
- OfferingsList products or services on your Bruce profile so buyers can order and pay through escrow in one step.
- Scheduled paymentsSchedule a payment for a future date: the money is set aside on-chain and the recipient claims it on time.
- Ask BruceNewAsk questions about your own Bruce account and prepare payment drafts in chat. Money moves only after you confirm with your PIN.
Business
Invoices, checkout, teams and accounting for freelancers and companies.
- InvoicesCreate and send professional invoices that clients anywhere can pay instantly - 0% fees.
- Checkout links and Buy with BruceAccept payments on your website or store with escrow-protected checkout links and the Buy with Bruce button.
- Business accounts and pay pagesOpen a verified business account with a public pay page at bruce.money/b/your-business.
- Teams and approvalsInvite teammates with roles and require approvals before business payments go out.
- Batch payoutsPay many people at once - contractors, sellers or staff - in a single batch.
- Treasury and accounting exportsSee your business cash flow and export transactions to CSV, PDF or QuickBooks.
- Account statements (PDF)NewDownload a PDF account statement for this month, last month, the last 3 months, this year or all time.
Security & alerts
Keep your account safe and know the moment you get paid.
- Voice payment alertsNewYour phone speaks every payment out loud - "Received 500 rupees from Ravi on Bruce" - in 19 languages.
- Instant payment notificationsReal-time push and in-app notifications for every payment, request, invoice and escrow update.
- Verified profilesGet a verified badge after an identity check so people know they are paying the right person.
- PIN, Face ID and passkeysProtect every payment with a PIN, Face ID or fingerprint, and sign in with passkeys.
Developers & AI agents
APIs, webhooks, store plugins and agent-ready payment rails.
- Payments API and webhooksA REST API with OpenAPI spec and signed webhooks for invoices, checkout, escrow, offerings and payouts.
- WooCommerce, Shopify and HTML buttonAdd Buy with Bruce escrow checkout to WooCommerce, Shopify or any website.
- MCP server for AI assistantsConnect Claude, Cursor and other MCP clients to one hosted Bruce catalog for merchant tools and delegated agent spend.
- AI agent payments (AP2, x402, A2A)Let AI agents pay and get paid safely with spend policies, AP2 mandates, x402 HTTP payments and an A2A agent card.
- Accounts for AI agentsNewAn AI agent can open its own non-custodial Bruce account with no website or human login, then pay, get paid, invoice and use escrow like any signed-in user.
Pricing
Always free for users: 0% fees to send, receive, invoice, create checkout links or use escrow - forever. A dispute review fee applies only when Bruce reviews a disputed escrow above $100.
How your money is held
Balances are USDC (a regulated, dollar-backed stablecoin issued by Circle) on the Base network. Wallets are self-custodial and secured by Privy - Bruce never holds user funds, and users can export their private key.