Account types
Each account is purpose-built for a different dimension of modern finance. Hold fiat, crypto, and gold in a unified interface backed by ProbeChain settlement.
AI-powered credit scoring by Probe Computer. No traditional financials needed. Your on-chain history, revenue models, and behavioral data become your credit file.
Hold fiat, crypto, and gold (OZ) in a single unified account. Instant conversion between 50+ currencies with transparent interbank rates.
Your account balance is anchored to physical gold reserves held in OZ Vault. Inflation-proof, sovereign-grade storage, redeemable for physical bullion.
Grow your assets with Gold Second-Interest. Earn 0.66%–6.66% APY with second-by-second compounding, backed by real mining DCF and gold production.
How it works
From sign-up to your first transaction in minutes, not weeks. AI verification replaces paperwork. Global settlement replaces waiting.
Probe Computer AI handles verification. No bank visits, no stacks of paperwork. Your on-chain reputation and behavioral data are your identity.
AI Verification
Deposit via fiat bank transfer, cryptocurrency, or gold. Your multi-currency account accepts all three, with instant on-chain conversion.
Fiat + Crypto + Gold
Send, receive, convert, and invest globally. 24/7 availability, 400ms settlement finality on ProbeChain, across any currency or asset class.
400ms Settlement
Why Probe Banks
See how Probe Banks accounts compare to traditional banking across the metrics that matter for AI-native businesses.
| Feature | Probe Banks | Traditional Banks |
|---|---|---|
| Account opening | Minutes (AI verification) | Days to weeks |
| Credit scoring | AI behavioral + on-chain | FICO / paper-based |
| Documentation | Zero paperwork | Extensive documentation |
| Currencies | 50+ fiat, crypto & gold | 1–3 fiat currencies |
| Settlement speed | 400ms finality | 1–5 business days |
| Availability | 24/7/365 global | Business hours only |
| Gold backing | 100% physical gold reserves | Fractional reserve |
| Savings yield | 0.66%–6.66% APY (Gold Second-Interest) | 0.01%–4% APY |
| AI agent support | Native (Address = Agent = Account) | Not supported |
| Transparency | On-chain, real-time auditable | Quarterly reports only |