The swap & hold platform where everything comes together. Move between fiat, stocks and crypto at the real rate, hold it all in one account, and spend anywhere in the world — on a single flat membership.
∧ Virtual card included · physical metal card with VIP
Swap and hold in one account. Lean Pay removes the extra steps between every transaction — no wallets to bridge, no exchanges to route through, no fees compounding along the way. One direct move, at the real rate, available worldwide.
Other platforms route your money through a chain of intermediaries — each one taking a cut. Lean collapses it into a single move.
Hold stocks, gold, indices or crypto with Lean Pay and unlock a credit line against them — without selling. Spend it like any other balance, then repay on your own schedule, or let it settle automatically against your holdings.
Hold €50,000 in the S&P 500 and need €3,000 in short-term liquidity? Draw it as credit against your position instead of liquidating — repay directly, or let it settle automatically against your holdings.
Fiat, stocks and crypto in a single account. Convert instantly and hold everything together.
Move between currencies, stocks and crypto at the real rate. No hidden spreads, no per-transaction cuts — the same on every plan.
Ready the moment you join. Spend your balance anywhere Mastercard is accepted.
A weighty metal Mastercard for VIP members. Spend anywhere, feel the difference.
VIPNo swap fees when you travel. Hold your stocks and crypto, spend anywhere — your money keeps its value across every border.
Your funds, your control. Bank-grade security around everything you swap and hold.
No transaction fees, ever. Pick the membership that fits — upgrade whenever you like.
Everything you need to swap, hold and spend — fee-free.
The full experience, including a physical metal card.
Tailored infrastructure for teams and businesses.
We're opening a limited early-access round. Register your interest and we'll reach out the moment your membership and card are ready.
Welcome to Lean Pay. We'll be in touch soon — keep an eye on your inbox.
For businesses and teams, we design a Lean Pay setup around your needs — custom limits, API access and dedicated support.
Thanks — our team will reach out shortly to talk through your setup.