Lulubit is a Latin America–focused crypto platform enabling users in Panama, Costa Rica, and Guatemala to effortlessly buy, sell, and earn on over 30 cryptocurrencies—such as Bitcoin, USDT, XRP, USDC, and MATIC—directly through local banks without fees via ACH/SINPE transfers. Users can earn up to 7% APY, pay with a Lulucard Mastercard, open a virtual USD account to receive PayPal or Wise transfers, and withdraw in USDC instantly.