Private banking is growing. As wealth becomes more globally distributed and financially
sophisticated individuals look for more than a current account and a basic savings rate, demand for private banking services has surged. They provide a premium level of service, and treat your wealth as something worth protecting, growing and make it more accessible than ever, akin to that of institutions.
Whilst the ultra-wealthy have always had access, a new tier of aspirational, financially engaged people want the same, and the traditional banks aren’t willing to serve them. That’s because most private banks still require at least $1 million or more in assets under management before they’ll consider serving you.
That gap is exactly what Wirex One is built to close, bringing the perks of stablecoins into the everyday, along with a private banking experience and the usability neobank-UX – accessible to anyone.
The Private Banking Experience, Rebuilt for Everyone
Here’s what that looks like in practice:
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Up to 8% cashback in USD: One of the highest cashback rates in the market, paid in real dollars, not in a volatile token. Instantly redeemable, every time you spend.
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0% FX markup, interbank rates: Spend anywhere in the world without a hidden spread eating into every transaction
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4-6% APY on stablecoins and crypto: Institutional-grade yield, fully liquid. Your money works harder without being locked away
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Zero-fee global ATM: Withdraw cash anywhere in the world fee-free, with unlimited withdrawals for the highest tiers
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50% off premium subscriptions: Bloomberg, FT, Claude, ChatGPT, Perplexity, all rebated in USD at the end of each month
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Dedicated account management: From the Private tier upwards, you get a named account manager, not a chatbot
All of this is in a single app, built on true asset ownership (non-custodial), fully onchain, with no seed phrases or technical setup required.
Membership That Scales With You, Not Against
Access to Wirex One’s premium tiers is powered by Wirex’s native token, WPAY, but the model is intentionally different from anything you’ve seen before. There’s no subscription fee, no 12-month lock-up, and no minimum commitment.
You hold WPAY as a percentage of your Wirex One portfolio: as your portfolio grows, your tier rises with it, and benefits adjust automatically.
It’s the lightest-touch membership model in the industry, and it’s designed specifically for people who’ve been underserved by both traditional banking and the subscription tier model of most consumer fintechs.
Launching Soon, Built on a Decade of Infrastructure
Wirex One is built on over a decade of trust and innovation in the industry, and runs on Circle’s Arc blockchain, a next-generation L1 purpose-built for payments, backed by BlackRock, Visa, Mastercard, and Goldman Sachs.
If you’ve always managed your finances with the care and attention that private banking clients expect, but without the access they receive, Wirex One was built for you.