25 USDC
50 USDT
USDC
Arbitrum to Base
Enter paybill number
888880
Paste6/7 digits
1234567890
Gas, handled
No gas token to buy first.
Most network fees are sponsored. When one isn't, pay it with a token you already hold, like USDC, USDT or ARB, instead of hunting for ETH, POL or BNB.
Okrin Wallet
One wallet for your money. Wherever you are.
Digital dollars, crypto and payments in one wallet only you control. Sign in with Google, Apple or email and you're ready.
One wallet across the networks you already use
Base
Ethereum
Arbitrum
Optimism
Polygon
BNB Chain
SolanaDeposits
TronDeposits
Self-custody, without the chores.
Everything that makes crypto wallets intimidating is handled for you, and nobody else ever holds your money.
The jobTypical wallet With Okrin
- Getting startedTypical wallet: Write down 12–24 backup words and never lose themWith Okrin: Sign in with Google, Apple or email
- Network feesTypical wallet: Buy ETH, POL or BNB before you can move anythingWith Okrin: Usually sponsored, or paid with any token you hold
- Sending moneyTypical wallet: Paste a 42-character address and hope it's rightWith Okrin: Send to an @Okrinname
- Moving between chainsTypical wallet: Find a bridge, then swap on the other sideWith Okrin: One cross-chain swap, with every fee shown first
- New phoneTypical wallet: Restore from your backup words, if you still have themWith Okrin: Sign in again and your wallet is right there
Everything your money does. In one app.
Okrin puts holding, sending across chains, swapping, cashing out and earning behind the same simple screens, on every network it supports.
Everyday money, on easy mode.
@Okrinnames
Send money to a name.
Every Okrin user can claim a username. Find a friend by their @Okrinname and pay them in seconds, without copying or pasting an address.
Deposits
Fund it from anywhere.
Deposit from any wallet or exchange, even USDT on Tron or USDC on Solana, and it arrives as USDC. Or send a top-up link to another Okrin user.
Recovery
Lost your phone? Just sign in.
Your wallet is tied to your Google, Apple or email login, not a scrap of paper. Sign in on a new device and everything is right where you left it.
Multichain
Six networks. One balance.
Okrin reads your wallet on Base, Ethereum, Arbitrum, Optimism, Polygon and BNB Chain and adds it all up.
Base
Ethereum
Arbitrum
Optimism
Polygon
BNB Chain
- One balance per coinETH on four networks shows up as one ETH balance, with a breakdown one tap away.
- Networks when they matterWhen you send or swap, Okrin shows exactly how much sits on each network, so you can choose which one to use.
- Deposits from further afieldSend USDT on Tron, or USDC on Solana or Plasma, to your Okrin deposit address and it lands in your wallet.
Swap
Swap across chains. In one step.
Pick what you have and what you want. Okrin finds the route across networks and handles the hops in between.
- Cross-chain in one stepGo from ETH on Arbitrum to USDC on Base without hunting for a bridge.
- A live quote, every timeRoutes are priced in real time, and the rate is shown before you commit.
- Every fee, up frontMinimum received, Okrin's 0.6% fee, route and network fees, all on one screen.
- Recovery built inIf a swap can't finish, Okrin walks you through getting the funds back.
Universal Pay
Get paid exactly what you asked for.
Request 25 USDC on Base and share the link. Whoever pays can fund it from whatever they hold, and Okrin routes it so exactly 25 USDC arrives.
- Payment linksSet an amount, add a note and an expiry, then share the link in any chat.
- Pay with what you haveSettle a request from any token on any supported chain. The recipient still gets the exact amount and token they asked for.
- Top-up linksShare a reusable link so another Okrin user can add money to your wallet.
- Requests, trackedSee what you've been asked to pay, follow your own requests, and revoke any link.
Earn
Earn up to 11.35% APY on what you already hold.
Deposit any token you hold. Okrin automatically converts it into the asset each lending market needs, then supplies it to that market. Withdraw whenever you like, and earnings add straight to your balance.
Rates up to
11.35% APY
From any token you hold. No lockup.
- Vetted lending protocols
- 5
- Minimum market liquidity
- $1M+
- Days of lockup
- 0
Markets from
Aave
Compound
Morpho
Fluid
Spark
APY is variable and not guaranteed. 11.35% is the highest rate offered across Okrin's Earn markets; typical rates are lower and change with market demand. Lending markets carry smart contract and market risk.
Security
Your money. Only you can move it.
Nobody at Okrin can sign for you, freeze your balance or spend it, because Okrin never holds your keys.
- 01You sign inGoogle, Apple or email proves it's you.
- 02Your phone approvesEach action is authorised on your device with Face ID, fingerprint or your PIN.
- 03The enclave signsYour wallet's keys stay sealed in a secure enclave and act only on your approvals.
- 04It settles on-chainThe transaction goes straight to the network. Okrin never touches it.
Okrin's servers only read. They fetch balances, prices and history. They hold no keys and cannot sign anything.
Locked to you
Locked behind Face ID and a PIN.
Face ID or fingerprint to open the app, a transaction PIN, and every signed-in device listed so you can end any session in a tap.
Nothing to steal
No seed phrase to lose.
There's no recovery phrase to phish, photograph or misplace. Getting back in is signing in with the account you already protect.
Local rails
Crypto, connected to the money you already use.
In supported markets, Okrin plugs your wallet into local payment systems. Cash in, cash out and pay bank accounts, mobile wallets and billers, without leaving the app.
Where it works
KenyaLive- M-Pesa
- Bank transfers
- Paybill & Buy Goods
- More markets and payment methods on the way
Cash in & out
On-ramp and off-ramp, built in.
Buy USDC or USDT with a local payment method, and cash back out to local currency when you need it.
Payouts
Pay out to banks and mobile wallets.
Send from your balance and it lands as local currency in the recipient's bank account or mobile money wallet.
Bills & merchants
Pay bills the local way.
Settle utilities and pay shops through the networks they already accept, like Paybill and Buy Goods in Kenya.
+254Airtime · Coming soon
Top up any phone.
Recharge a prepaid line straight from your balance. Coming soon, starting with Safaricom and Airtel in Kenya.
Live today in Kenya. Local payment features depend on your country of residence and require a quick identity check.
Coming soon
Spend it anywhere. Hold it in any currency.
Okrin Card
A virtual Visa for your wallet.
Spend online and in store wherever Visa is accepted. Instant to issue, with no paperwork and no shipping. Join the waitlist from the Card tab in the app.
Local accounts
Dollars, euros and pounds.
Local-currency accounts in USD, EUR, GBP, MXN and COP are on the way, right next to your crypto.
FAQs
Straight answers about keys, fees and what Okrin can and can't do.
What is Okrin?
Okrin is a self-custody wallet for your digital money, wherever you are. You sign in with Google, Apple or email instead of writing down a seed phrase, then hold, send, swap and earn from one balance across Base, Ethereum, Arbitrum, Optimism, Polygon and BNB Chain.
When can I get Okrin?
Okrin is coming to iPhone, Android and as a Chrome extension that lets you use your wallet on any site. Sign up for early access and we'll email you as soon as your platform is ready.
Where can I use Okrin?
Almost anywhere. The core wallet (holding, sending, receiving and swapping) works wherever you are. Some Earn markets and all local payment features depend on your country of residence. Local rails like mobile money, bank payouts and bill payments are live in Kenya today.
If there's no seed phrase, who holds my keys?
Not Okrin. Your wallet is a smart wallet secured by Crossmint. Each device you use gets its own signing key, kept in your phone's secure hardware, and approves each action behind Face ID, fingerprint or your transaction PIN. Adding a new device takes your passkey or a code sent to your email. Okrin's servers hold no keys and can't sign, freeze or move your funds.
What happens if I lose my phone?
Sign in on a new device with the same Google, Apple or email account and your wallet is there. In Security Center you can see every signed-in device and end any session you don't recognise.
Do I need ETH to pay network fees?
No. Most network fees are sponsored. When a fee does apply, you can pay it with any eligible token you hold, such as USDC, USDT, WETH, WBTC, ARB or OP, or with the network's own token. Transactions on Ethereum mainnet always carry a network fee.
What does Okrin cost?
Creating a wallet and holding money is free. Swaps include a 0.6% Okrin fee, listed alongside route and network fees before you confirm. Sending is free: Okrin never adds a fee when you send to another Okrin user or to any other wallet. Network fees are usually sponsored, and when one applies you'll see it before you confirm.
What is Universal Pay?
It's how Okrin handles requests. You ask for an exact amount of a stablecoin, like 25 USDC on Base, and share a payment link. The person paying can fund it from any token they hold on any supported chain, and Okrin routes it so exactly the amount you asked for arrives. You can also share reusable top-up links, and revoke any link at any time.
Which networks and tokens are supported?
Okrin supports Base, Ethereum, Arbitrum One, Optimism, Polygon and BNB Smart Chain, with popular assets like ETH, USDC, USDT, EURC, DAI, WBTC, POL, BNB, ARB and OP. You can also deposit USDT on Tron, and USDC or USDT on Solana and Plasma.
How does Earn work?
Earn works with any token you hold. Okrin automatically converts it into the asset a market needs, then supplies it to vetted lending markets from Aave, Compound, Morpho, Fluid and Spark, each with at least $1M in liquidity. The conversion and its fees are shown before you confirm. Rates are variable and have reached up to 11.35% APY, there's no lockup, and earnings accrue straight to your balance. Lending markets carry risk, including smart contract risk.
Is there an Okrin card?
It's on the way. The Okrin Card is a virtual Visa you'll be able to spend online and in store wherever Visa is accepted. You can join the waitlist from the Card tab in the app today.
Can I move between crypto and my local currency?
Yes, in supported markets. There, Okrin connects your wallet to local payment rails, so you can buy crypto, cash out and pay out to bank accounts or mobile money after a quick identity check. Kenya is live today with M-Pesa, bank transfers, and Paybill and Buy Goods, with airtime top-ups coming soon and more markets on the way. Wherever you are, you can fund your wallet from any crypto wallet or exchange.
Waitlist open
Early access is open.
Okrin mobile apps and browser extension will be available soon. Sign up to hear when they launch.
iPhoneSoon
AndroidSoon
ChromeSoon