Metal Pay is a free finance app developed by Metallicus Inc. that allows iPhone users to buy, sell, and trade over 65 popular cryptocurrencies directly within the app. With Metal Pay, users can deposit paychecks, pay friends, and bills with cryptocurrency. All cash is held in an FDIC-insured bank account through their partner bank, ensuring the safety of users' funds.

One of the most significant advantages of using Metal Pay is the ability to buy Bitcoin, XPR, and MTL for nominal fees and trade in and out of USDC with 0% fees. Additionally, Metal Pay users can send cryptocurrency to other users without paying any fees, making it the most affordable way to move crypto. The app also allows users to buy crypto immediately, even while their cash deposit is pending, which eliminates lengthy wait times as their bank clears the transaction.

Metal Pay is currently available in all US states and territories, including Puerto Rico, as well as in 28 European Union countries. Overall, Metal Pay is an excellent app for those looking to trade cryptocurrencies easily and efficiently, with no hidden fees or wait times.