💰Earn more
Every payment pays you back.
Cashback, points, tier bonuses and coalition rewards land in your account the moment you tap, scan or click.
2–10%
instant cashback on every purchase
Live in your country
The global financial operating system for everyone.
One account for every currency, every country and every kind of payment. Instant settlement. Zero card fees. Cashback on everything. Grants and capital for the businesses that keep the world running.
180+
Countries supported
<2s
Settlement time
0%
Card processing fees
2–10%
Instant cashback
Personalize
Pick your theme
Emerald
gFinOS Wallet•••• 4820
Available balance
128,540.72local currency
Recent activityyour country
Payroll deposit
Instant
+ local currency 4,820.00
Grocery — Cashback 5%
Reward
+ local currency 6.40
International transfer
Flat $1.99
− local currency 210.00
Electricity bill · 10% off
Discount
− local currency 63.00
Cashback earned this monthlocal currency 214.60
What gFinOS does for you
Earn. Save. Borrow. Sell. Work. Live better.
Tap to pay, anywhere
Your financial freedom is here
Three cards, one account. Spend in your local currency at home and abroad, earn on every tap, and switch a card off the moment you want to — no branch, no paperwork.
- Cashback on every tap
- No monthly fee
- Instant freeze and unfreeze
The Global Financial Operating SystemgFinOS
Core
Aurora
•••• •••••• 74021
Everyday spending, rewarded12/31
Instant settlement0% card fees2–10% cashbackFree international transfersAutomatic tax remittanceGrants for every businessZero FX costLocal currency, everywhere24/7 availabilityNo passwordsInstant settlement0% card fees2–10% cashbackFree international transfersAutomatic tax remittanceGrants for every businessZero FX costLocal currency, everywhere24/7 availabilityNo passwords
The platform
One operating system for money.
gFinOS unifies banking, payments, remittance, capital and rewards into a single account for every person, business and government — in every nation, in every currency.
Multi-currency
Global Wallet
One account, every currency. Auto-detects your country, language and local currency at sign-up.
Real-time
Instant Rails
Payments, payouts and remittances settle in seconds, 24/7 — no banking hours, no cut-offs.
Zero fees
Merchant Suite
Free POS, checkout, invoicing, subscriptions, payroll and accounting — all included.
Grants + capital
Capital Engine
grants, revenue-based loans, working capital and equity partnerships for businesses.
Always-on
Rewards & Cashback
Cashback, loyalty, transit points, utility discounts and national rewards baked into every payment.
Automatic
Compliance & Tax
GST/VAT and government taxes calculated, withheld and remitted automatically at withdrawal.
Lowest cost transactions
Zero chargeback rates
Zero card-processing fees
Zero foreign exchange costs
Zero banking friction
Instant settlement
Easy international payments
No passwords for consumers
No private key management
Advanced fraud protection
Easy refunds, anywhere
Familiar, everyday UX
Easier business accounting
Payment rewards on every tx
Free payment processing
24/7 availability
Government benefit distribution
Auto geolocation & language
Built for everyone
Whoever you are, wherever you are.
Individuals
Tier · FreeA daily-use account with rewards on every swipe, tap and transfer.
- Free account, free debit card
- 5% discount + up to 10% cashback
- Free international transfers
- Utility, transit & fuel savings
Businesses
Tier · FreeReplace your bank, PSP, POS and accountant with one operating system.
- 0% processing for 2 years
- Instant settlement to your wallet
- Free POS, invoicing & payroll
- Automatic grant & loan qualification
Students
Tier · FreeStudy grants, tuition discounts and internship placements.
- Up to $50,000 study grants
- Reduced tuition & housing support
- Technology & research grants
- Internship placement programs
Creators & Non-profits
Tier · FreeAccept donations anywhere with your gFinOS link, QR and 12-digit number.
- Shareable donation link + QR
- Matching donations program
- Operating grants
- Tax exemptions
Governments
Tier · FreeDistribute benefits, collect taxes and pay suppliers instantly.
- Automatic GST/VAT remittance
- Welfare, pensions & subsidies at scale
- Faster procurement payments
- Sovereign revenue wallet
Cross-border traders
Tier · FreeMove value between any two nations without FX friction.
- Zero FX costs
- Local currency in, local currency out
- Export financing
- Instant global settlement
Incentives
Rewards, discounts and grants on every side of the transaction.
For businesses
- 0% payment fees for first 2 years
- Instant settlement
- Free POS integration
- Free accounting & bookkeeping software
- Free cybersecurity services
- Free e-commerce site setup
- Free payroll & staff payments
- 2% working-capital loans
- Startup & capital-expenditure grants
- Payroll & corporate tax reductions
- GST/VAT rebates by transaction volume
- Faster VAT/GST refunds
- Access & preference in government contracts
- Export financing incentives
- Business insurance discounts
- National merchant directory promotion
- Marketing support
- Annual transaction-volume rebates
For consumers
- 2–10% instant cashback
- 5% pay-with-gFinOS discount
- Free P2P transfers, worldwide
- 3% personal loans
- Reduced mortgage rates
- Income tax credits & GST rebates
- 10% off electricity, water, internet
- 50% off buses & trains, monthly travel credits
- Fuel, supermarket & event discounts
- Free debit card & wallet
- Salary advance access
- Student, tuition & housing bonuses
- Healthcare payment discounts
- First-home buyer grants
- Retirement savings matching
- National rewards: flights, hotels, shopping
0%
Payment processing fees
0.5%
Cooperative treasury contribution
$1.99
International transfer, flat
45%
Auto-remitted tax at withdrawal
Capital
Grants, cash-assist and equity partnerships.
Businesses using gFinOS qualify automatically based on transaction history — regardless of their current credit score. Opt in to our Partnership Program and we co-invest, value your business, and open a path to the Global Digital Capital Market.
Track
Cash Assist
Instant working-capital top-ups for SMEs, exporters, importers, digital businesses, manufacturers and creators — regardless of credit score.
Track
Merchant Growth Fund
Reimbursement for store upgrades, POS hardware and marketing spend.
Track
Partnership Program
Accept a grant in exchange for equity. Your business is valued and can be listed on the Global Digital Capital Market.
Track
Cooperative Treasury
0.5% of every transaction funds business, student and charity grants plus cashback.
Donations for everyone
Receive money from any platform, anywhere in the world.
Every gFinOS user gets a shareable donation link, a scannable QR code and a 12-digit account number that works across every social platform, messaging app and website.
Public profile@you
Donation link
gfinos.app/@you
12-digit account
3074 1852 9630
Scan to send
Works with any camera app
Global by default
Local currency. Local language. Every nation.
gFinOS detects your country and configures your experience automatically. Every national currency is available on the platform, priced and displayed the way people already expect.
Detected location
your country
Local currency
local currency
Language
your language
Trust
Familiar on the surface. Powerful underneath.
Bank-connected funding
Top up from any bank account, debit/credit card, cash deposit or manual transfer — zero technical knowledge required.
No jargon, ever
You see currency, balances and receipts — nothing more. Settlement runs silently in the background.
Automatic tax compliance
At withdrawal we withhold 10% platform fee, 10% GST/VAT and up to 30% government tax, remitted directly to the appropriate revenue wallet.
Advanced fraud protection
Device intelligence, behavioural biometrics and passwordless authentication protect every account.
Join the financial system that pays you back.
Free to open. Free to use. Instant everywhere. Fund from your bank, card or cash — and start earning cashback on your very first payment.