Get paid in euros and dollars. Pay your team and suppliers in their own currency.
Accounts in Europe and the United States, exchange at a firm quote and local payments in Argentina and Peru. One business account, no per-contractor fee.
All your currencies on a single line. Why it is called Linias
How a payment travels from Madrid to Buenos Aires.
Your company collects 10,000 EUR from a customer and pays an Argentine supplier in pesos. This is what you see in your account at each step.
1. Received
+10,000.00 EURYour customer pays by SEPA transfer to your IBAN. You see the sender, the reference and the available balance.
2. Converted
EUR ARS · 60 sYou accept a firm quote with the total cost in plain view. The balance moves to pesos.
3. Sent
to the supplier’s CVUYou pick the supplier from your list and confirm. If it exceeds your limit, someone else approves it in the dashboard.
4. Credited
in secondsThe supplier receives the pesos. The invoice is marked as paid and the transaction is reconciled.
One line. With AI at the center.
Linias is an invented name, not a typo: it is the Spanish word líneas (“lines”) with the letters ea replaced by IA. It sounds like líneas and is spelled with AI at its center: lin · IA · s. In short: lines, with AI at its core. It reads the same in Madrid, Miami and Buenos Aires.
A line is what connects your euro account, your dollar account and the payment in pesos or soles: a single stroke, with no hops between banks, currency exchange houses and payment platforms. Today, the Linias engine is what keeps the line straight: it validates every recipient, quotes the exchange, applies your limits and logs everything, with rules you can see and control. AI arrives later, as a member of your team.
What you pay today and what you would pay with Linias.
We compare against the public prices of Wise, Qonto and Deel as of October 5, 2026.
Today: Qonto Essential 49 EUR, Wise exchange to ARS (2.4%), Deel 49 USD per contractor, counted as 44 EUR (approximate rate of 0.90 EUR per USD). Linias: the cheaper of Starter and Growth for your volume, membership 79 EUR, exchange 0.8% and 1 incoming SEPA transfer at 2.50 EUR each. Illustrative estimate based on public prices as of October 5, 2026.
One business account with five currencies and local payments.
| Currency | Collect | Pay | Typical timing |
|---|---|---|---|
| EUR | Own IBAN, SEPA and SEPA Instant | SEPA Instant to any IBAN | seconds |
| USD | Account with ACH, FedNow and wire | ACH and wire to US accounts | same day to 2 days |
| ARS | Own CVU and alias | Transfer to CBU, CVU or alias | seconds |
| PEN | By conversion from another currency | Interoperable transfer to CCI | minutes |
| USDT | Own address on Tron or Solana | Transfers to addresses validated on each network | minutes |
Accounts and local currency payments run through regulated entities in each country. COP (Colombia) is in development and is not part of early access.
Three charges. None of them hidden.
You pay a monthly membership, an exchange margin on each conversion and 2.50 EUR for each incoming SEPA transfer. Nothing else: nothing per contractor, per recipient or per user.
Starter
- Exchange at 1.5%
- Up to 3 members
- Accounts in all five currencies
Growth
Recommended- Exchange at 0.8% to ARS and 1.1% to PEN
- Unlimited members
Scale
- Exchange from 0.55%
- Full API and per-client accounts
- Priority support
| Item | Amount | Minimum per operation | When it is charged |
|---|---|---|---|
| Monthly membership | Starter 19 EUR, Growth 79 EUR and Scale 199 EUR | The plan's monthly fee, even if you move no money | Every month |
| Currency exchange | 1.5% on Starter; 0.8% to ARS and 1.1% to PEN on Growth; from 0.55% on Scale | No minimum per conversion | On each conversion; you see the margin in the quote before accepting |
| Incoming SEPA transfer (EUR) | 2.50 EUR per transfer | 2.50 EUR: charged in full even when the amount is small | On each SEPA transfer received |
| Everything else | Nothing else: nothing per contractor, per recipient or per user | No minimum | Not charged |
Growth, 10,000 EUR collected by SEPA and paid to a supplier in pesos: 79 EUR membership + 80 EUR exchange (0.8%) + 2.50 EUR incoming SEPA. Total for the month: 161.50 EUR. The payment in pesos has no additional cost.
For the first 50 companies in early access: 30 days with no membership fee and 50% off the membership for the following 5 months. The exchange margin does not change.
Prices exclude VAT. No minimum term. All plans include team roles and dual approval of payments above the amount you set. Final terms are confirmed when you open the account.
What everyone asks before signing up.
Is Linias a bank?
No. Linias is software and payment orchestration for businesses. The accounts and funds in each currency are held with regulated entities in each country (Europe, the United States, Argentina and Peru) and are assigned to your company.
Who can open an account?
Companies with real activity between Europe or the United States and Argentina or Peru. We verify the company, its beneficial owners and the source of funds before activating the account. Companies only: we do not open accounts for individuals.
How long does onboarding take?
With complete documentation, between 2 and 5 business days. We tell you what is missing at each step.
How much does a payment in pesos or soles cost?
A local payment has no per-transaction cost. You pay your plan’s exchange margin when you convert, and you see it in the quote before you accept.
Can I bring my contractors over from Deel, Payoneer or Wise?
Yes. You export your list and we load it with you. Each recipient is validated before the first payment.
What comes with the October 20 early access?
What this page describes: accounts in EUR, USD, ARS, PEN and USDT, local payments, exchange, a team with roles and approvals, and a web dashboard that adapts to mobile. Invoicing, accounting and agents come later and are announced with a date.
Join the first 50 companies.
Create your account with your work email. We verify your company, its beneficial owners and the source of funds before activating the accounts, and founder pricing applies to the first 50.
The same account, with more inside.
- Nov to Dec 2026Invoicing with payment details included, and VeriFactu in Spain.
- Q1 2027Supplier invoice inbox, accounting and a free seat for your accountant.
- Q1 2027AI agents as team members, with limits enforced by the system, and an MCP server.
- No dateColombia (COP), in development.
