Money that moves itself.
Deposits to local Panamanian accounts, local ACH, international wires into Panama, and SWIFT or SEPA out in USD and EUR, to 150+ countries. All at desk-level fees. Verify once, get dedicated account details, and money moves itself.
Wire routing and fees are quoted in person right now. Message the desk for your exact cost.
Ask on WhatsAppHow it works
One account, both directions, no bank friction.
Create your account
Sign up with your email. No branch visit, no paperwork by courier.
Verify once
KYC levels unlock limits and rails. Most clients clear Level 1 in minutes.
Get dedicated details
Your own account number. Anything a bank sends to it converts to USDC on Base automatically.
Move both ways
Send USDC and it lands as EUR or USD in the bank you choose. One-off or on a schedule.
Verification levels
Higher levels unlock higher limits and better routes.
Walk-in
No account needed. Desk routes only.
Basic
Email and ID. Unlocks ACH and SEPA.
Verified
Proof of address. Unlocks international wires and higher limits.
Private
Enhanced checks for serious volume. Bespoke limits and handling.
Client accounts open soon.
The desk already runs these routes every day. Online accounts with automatic conversion are next; join the early list and we onboard you first.
Get early accessQuestions about wires
How do I move crypto into a bank account?+
Open a client account, pass KYC once, and you get dedicated deposit details. Money you send in converts to USDC on Base automatically, and you withdraw it to a bank account as EUR or USD. Full walkthrough is in our guide on moving crypto into a Panamanian bank account.
Which rails, currencies and countries are supported?+
Deposits to local Panamanian bank accounts and local ACH, international wires into Panama accounts, and payouts out in EUR by SEPA and USD by FEDWIRE or SWIFT, reaching bank accounts in over 150 countries. The local Panama routes are usually the cheapest of all.
Do I have to use USDC?+
No. The automated account settles in USDC on Base, but you can bring Bitcoin or another major coin. We swap it at market rate before it moves, one extra step on our side, so you get the same wire either way.
How long does a transfer take?+
Most EUR and USD payouts settle in one to three business days depending on the rail. The crypto conversion itself is near instant.
What is a virtual account or vIBAN?+
It is a set of bank details assigned only to you. Anything sent to it converts to USDC automatically, with a reference code so every transfer is documented.
Is it safe and compliant?+
Yes. You verify once with KYC, every transfer produces a printable receipt, and funds move over regulated banking rails. Torero Coin is not a bank; it routes and settles your transfers.
Fees, limits and timing are indicative and confirmed before any transfer. Routes and verification requirements depend on destination and regulation. Torero Coin is not a bank.