Description
Grapherex, operated by Cosmir Digital Ltd. (incorporated in Ontario, Canada and registered with FINTRAC as a money services business offering foreign exchange, money transferring, virtual currency, and payment service provider services), positions itself as a combined banking and crypto wallet platform. Users can open named IBAN current accounts in EUR, USD, and GBP, hold stablecoin wallets (USDC, EURC) and crypto wallets across 40+ assets such as BTC, ETH, and SOL, and move funds via local/international bank rails or supported blockchains. The platform supports instant free internal transfers, live fiat/crypto/stablecoin exchange at shown rates, and account opening via phone number with a short identity verification process. A Visa debit card linked directly to fiat and crypto balances (supporting Apple Pay, Google Pay, and Garmin Pay) is offered as an early-access/coming-soon feature. Security messaging emphasizes licensed/regulated operations, segregated fiat holdings in regulated banks, and institutional-grade custody for crypto. The service targets freelancers, entrepreneurs, and other modern professionals who want to manage both fiat and digital currencies from one app.