Panda is the exchange and payments app for digital assets — personal and business accounts, spot and P2P trading, Panda Pay and virtual cards, with instant settlement and support.
Whether you're moving your own money or running a team, Panda adapts to how you work.
Everything one person needs to hold, trade and spend digital assets. Open it with your phone number and start in minutes — no branch, no paperwork, no waiting rooms.
Built for teams, merchants and companies that move money every day — with the controls, limits and reporting a finance team actually needs.
A full financial toolkit for personal and business accounts alike.
Buy, sell and swap digital assets with deep, reliable liquidity.
Trade with people across 120+ local payment methods, protected by escrow.
Send, request and split money instantly, with zero Panda transfer fees.
Issue a card in seconds and spend your balance anywhere cards are accepted.
Cold-storage custody with passkeys, device binding and 24/7 monitoring.
Multi-party custody, device binding and 24/7 threat monitoring — so you can move money without second-guessing.
Each client's holdings are held in individually segregated cold wallets, with the same controls banks use — and a real human to talk to when it matters.
View our security overviewThe majority of assets sit offline in segregated cold wallets.
Device binding, biometrics and hardware-key support on every login.
Operated by Arc and Edge LLC, As Financial service provider.
Around-the-clock fraud detection and a real human when you need one.
Pick personal or business, and you're moving in minutes.
Open a personal account with your phone number, or a business account for your team.
Top up with your local payment method or connect the money you already move.
Buy, sell or send to anyone, anywhere — instantly and securely.
Can't find what you need? Reach out — we typically reply within one business hour.
Wallet credit timing depends on the asset network and confirmation checks. Panda waits for required confirmations before the balance becomes available.
Pending settlements, fees, temporary holds, or recently initiated transactions can affect the amount currently available to spend or withdraw.
Card actions may pause if your KYC needs review, your account is under a temporary security hold, or the provider is applying card-specific checks.
Panda uses verification to protect your account, follow compliance rules, and unlock services such as transfers, card access, and marketplace activity.
Open the Panda app, choose your country, complete the registration form, set a strong password, and finish the required verification steps shown in the app.
Use a unique password, turn on 2-step verification, never share OTP or authenticator codes, and review account activity from the app regularly.
Choose the market, review the payment method, confirm the amount, and follow the order steps exactly as shown in the P2P flow before marking payment.
P2P access can be limited by KYC status, account security holds, restricted actions after sensitive account changes, or market-specific compliance checks.
Open the completed transaction from your activity or P2P order history, then use the receipt or PDF download option shown on the transaction detail page.
Transfer times depend on the service used, destination, and compliance checks. Most in-app actions update their status live so you can track them without contacting support.
A transfer may pause when additional security review, KYC review, network confirmation, or account protection checks are required.
For your protection, Panda can temporarily suspend withdrawals, Panda Pay, P2P, and card services after sensitive account changes until the security hold ends.
Manual Panda KYC uses three photos only: your ID front, your ID back, and one clear selfie photo, together with the required personal details shown in the form.
Resubmission can happen when details do not match the uploaded ID, required fields are unreadable, the document is unclear, or a manual reviewer requests a cleaner upload.
You will see the updated KYC status inside the app and Panda may also send an email when your review is approved, still processing, or needs resubmission.
FAQ content is served from the Panda help centre.
Open a personal or business account and make your first transfer in minutes — no paperwork, no waiting rooms.
