VARA & CBUAE Licensed

Send Crypto.Receive Dirhams. Instantly.

The bridge between Web3 and traditional payments. Accept any cryptocurrency, settle in AED stablecoins in under 3 seconds. Fees from 0.3% – not 3%.

AE Coin & Tokens 0.3% Fees Enterprise API

AED 7B+

Processed

50+

Countries

<3s

Settlement

99.99%

Uptime

Web3 + Web2 Payments

Blockchain Power, Banking Simplicity

You don't need to understand crypto – just enjoy the benefits: faster settlements, lower fees, and full transparency.

Blockchain-Fast Settlements

3 seconds, not 3 days. Powered by opBNB Layer 2 with 4,000+ TPS.

100x faster than banks

0.3% Merchant Fees

That's 90% less than Visa/Mastercard. Auto-convert any crypto to AED.

Save up to 90%

Pay Crypto, Receive Fiat

Customers pay in USDT, BNB, or any token. Merchants receive AE Coin instantly.

Seamless conversion

On-Chain Transparency

100% reserve-backed AE Coin. Verify every transaction on the blockchain.

Fully auditable

UAE's First Licensed AED Stablecoin

Meet AE Coin

The UAE's first CBUAE-licensed Dirham Payment Token. Every AE Coin is backed 1:1 by real AED held in regulated custody. Unlike volatile cryptocurrencies, AE Coin gives you blockchain speed with dirham stability.

CBUAE Licensed

First licensed AED Dirham Payment Token

100% Backed

Every token backed 1:1 by AED in custody

On-Chain Proof

Daily reserve attestation on blockchain

Instant Settlement

Merchants receive real value in 3 seconds

AE Coin

1 AE = 1 AED

100% Reserve Backed

Verify on-chain

opBNB Block #...

Why Blockchain?

You Don't Need to Understand Crypto

But here's why it makes your money work better. LyteWire handles all the complexity – you just enjoy the benefits.

Traditional Banks

2-3 day settlements
2-3% merchant fees
Hidden from you
Business hours only
Single currency

LyteWire (Blockchain)

3 second settlements
0.3-0.5% fees
Verify on-chain anytime
24/7/365 availability
Multi-token + auto-convert

Web3 Features

Crypto Power, Simple Experience

Multi-token payments, social identity transfers, and gasless transactions – all without the crypto complexity.

AE Coin Wallet

Hold the UAE's first CBUAE-licensed AED stablecoin. 1:1 backed, instant settlement.

Multi-Token Support

Pay with AE Coin, USDT, FDUSD, BNB, EURC, or EURT. Recipients choose their currency.

Social Payments

Send to @twitter handles, ENS domains, phone numbers, or emails. No wallet address needed.

Dynamic QR Invoices

Price in AED, accept any crypto. Auto-conversion to AE Coin for merchants.

Crypto Debit Cards

Spend your crypto anywhere. NFC-enabled virtual cards + optional physical cards.

Family Accounts

On-chain parental controls, spending limits, and Zakat tracking. Shariah-compliant.

Solutions For Everyone

Built for You, Your Business, Your Enterprise

Whether you're sending money to family or processing millions in payments, we've got you covered.

Personal

Send crypto to friends using their phone number. Pay merchants. No gas fees – we cover them.

Gasless transactions
Pay via @username
Multi-token wallet
Instant notifications

Merchants

Accept any cryptocurrency, receive AED stablecoins in 3 seconds. Not 3 days.

Accept USDT/BNB/FDUSD
0.3-0.5% fees
3-second settlement
On-chain invoices

Enterprise

White-label the UAE's first licensed AED stablecoin gateway. Full API + compliance built-in.

VARA/CBUAE compliant
Multi-sig approvals
EU (GDPR/PSD2) ready
Dedicated support

Simple Process

Get Started in Minutes

No paperwork, no branch visits, no waiting. Just download and go.

Sign Up in Seconds

Create your account with just your phone number. No paperwork, no branch visits.

Add Funds

Top up via bank transfer, card, or receive money from others instantly.

Start Transacting

Send money, pay bills, shop online, or accept payments – all from one app.

Grow Your Money

Earn rewards, get cashback, and access exclusive offers as you use LyteWire.

Islamic Finance Features

Shariah-Compliant Digital Finance

Built for the Muslim community with Ramadan mode, Zakat tracking, and family-first finance features.

Ramadan Mode

Auto charity suggestions with 2-5x donation multipliers

Zakat Calculator

Track wealth, calculate obligations, donate directly

Verified Charities

UAE-approved organizations with on-chain receipts

Family Finance

Parental controls, allowances, no interest features

Customer Love

Trusted by Thousands

See what our customers have to say about their LyteWire experience.

"LyteWire has transformed how I accept payments. Customers love the QR code feature, and I get my money instantly instead of waiting days."

Ahmed Al-Rashid

Restaurant Owner, Dubai

"I use LyteWire to invoice clients globally. The low fees and instant settlements mean I keep more of what I earn."

Sarah Johnson

Freelance Designer

"We integrated LyteWire API in a day. The documentation is excellent and their enterprise support is top-notch."

Mohammed Hassan

Tech Startup CEO

Transparent Pricing

Simple, Fair Pricing

No monthly fees. No hidden charges. Pay only when you transact.

P2P Transfers

Free

Merchant (Starter)

0.5%

Merchant (Enterprise)

0.3%

Cross-Border

0.25%

Got Questions?

Frequently Asked Questions

Everything you need to know about LyteWire

LyteWire is a Web3 payment infrastructure built on opBNB blockchain. Unlike Visa/Mastercard that take 2-3 days and charge 2-3% fees, LyteWire settles in under 3 seconds with fees as low as 0.3%. We bridge the gap between crypto and fiat – accept any cryptocurrency, settle in AED stablecoins. You get blockchain speed with banking simplicity.

AE Coin is the UAE's first CBUAE-licensed AED stablecoin. Every AE Coin is backed 1:1 by UAE Dirhams held in regulated custody. Unlike volatile cryptocurrencies, AE Coin maintains stable value. We publish daily on-chain reserve attestations – you can verify the backing anytime on the blockchain. It's the trust of banking with the speed of crypto.

Not at all! We've built LyteWire so you can enjoy blockchain benefits without the complexity. Send money using phone numbers, emails, or @usernames – no wallet addresses needed. We handle all the crypto conversions automatically, and we even cover gas fees for you (gasless transactions). It works just like any payment app, but faster and cheaper.

LyteWire supports multiple stablecoins and tokens: AE Coin (AED), FDUSD (USD), USDT, BNB, EURC (Euro), and EURT. For European users, we offer SEPA-like instant EUR transfers. Pay with any supported token – recipients can choose their preferred settlement currency. Merchants always receive stable value, never volatile crypto.

When a customer pays with any supported crypto (USDT, BNB, FDUSD, etc.), our smart contracts automatically convert it to AE Coin and settle to your merchant wallet in under 3 seconds – not 2-3 business days like traditional processors. You price in AED, accept any crypto, and receive guaranteed AED value. Fees start at just 0.5% (Starter) and go down to 0.3% (Enterprise).

Absolutely. LyteWire is fully compliant with VARA (Virtual Assets Regulatory Authority) and CBUAE regulations for the UAE. For European operations, we're GDPR, PSD2, and AMLD5 compliant. Our smart contracts are audited, and we maintain 100% reserve backing with daily on-chain attestations. Enterprise clients get full KYC/AML integration and compliance reporting.

Still have questions?

VARA Licensed

CBUAE Compliant

Audited Smart Contracts

On-Chain Attestation

GDPR/PSD2 Ready

Ready for Web3 Payments?

Join merchants and users who've already switched to blockchain-powered payments. Accept any crypto, settle in AED, in 3 seconds. Not 3 days.

No gas fees • 0.3% merchant rates • VARA & CBUAE licensed • GDPR/PSD2 compliant