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Circle is a consumer finance company focused on transforming the world's economy with secure, simple, and less costly technology for storing and using money. The Circle Pay app allows users to send funds to and receive payments from others around the world at no cost, with no exchange rate markups or fees. The app is free to download on iOS and Android devices and deposits held in U.S. dollars are FDIC insured up to $250,000. In addition, Circle is a global liquidity provider for institutional clients looking to buy and sell crypto assets and is developing a blockchain-supported protocol called CENTRE, which will enable wallet-to-wallet digital transactions across multiple fiat currencies and crypto assets.