'%20/%3e%3c/svg%3e){kind=small}
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USD account
Preview
ACH · Wire · routing 021000021
Active
Preview
Real local IBANs
12 markets
Hold, move, and convert money in any currency
Open named accounts in different countries and currencies, see exactly how much you can spend in each, and convert between them at live rates. Every balance is derived from an immutable, append-only ledger, so the numbers are real-time accurate and two processes can never spend the same money.
Live
currencies
worldwide
worldwide
USD account
Preview
GBP account
Preview
FPS · sort code 20-00-00 · 4471 2238
Active
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SGD account
Preview
FAST · DBSSSGSG · 003-901-22
Active
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JPY account
Preview
Zengin · 0001-001 · 22 38 91
Active
Global Accounts
Accounts around the world
Global accounts let you open named accounts in different countries and currencies, shown on a world map and a card grid. Create new accounts and crypto wallets through simple open-account modals, and manage local currency access wherever you operate.
Open named global accounts
Open named accounts in different countries and currencies, with real local details so customers can pay in as a domestic transfer. New accounts and crypto wallets are a couple of clicks away — no SWIFT, no lifting fees, no waiting.
Open a local account
Preview
USD account
Open
Account / IBANACH 021000021 · 4471 0028
RailsACH · Wire
US
UK
DE
SG
JP
AE
Markets live16
Balances you can trust
The balances page shows total vs available balance per currency, separating wallet cash from money already loaded onto cards — so “available” really means available. Lock or release funds to ring-fence money for an upcoming obligation.
FX engine
Mid-market
EUR
482,900
USD
523,800
1 EUR =1.0842USD
Spread 0.40%
No lifting fees
Locked on click
Convert with confidence
Currency conversions move balances between currencies at live FX, and an inline convert dialog lets you do a quick conversion right where you are. A shared FX rate service keeps the rate consistent everywhere in the app.
Smart rail routing
Auto
Northwind GmbH · Germany
€12,840
ACH1 day
SEPAInstant
UK FASTInstant
SWIFT1–2 days
FAST SGInstant
CIPSSame day
Routed via
SEPA
128,400 sent
Why Global Accounts
Balances you can trust
Every balance is derived from an immutable, append-only ledger — the master balance ledger — so the numbers are real-time accurate and two processes can never spend the same money. Need to ring-fence funds for an upcoming obligation? Lock and release reserves them until you’re ready.
1
CollectLocal IBAN · domestic in
$1,284,900
2
Hold40+ currencies natively
€842,300
3
ConvertInterbank mid-market FX
£613,750
4
Pay out20+ local rails · countries worldwide
S$427,900
What you get
One stack, every market, every rail.
Real local accounts in sixteen markets, balances held in forty-plus currencies, interbank FX, and twenty-plus local payout rails plus SWIFT — unified behind one API and one balance, with one reconciliation file back.
Real local accounts in 16 markets
Receive in 23 currencies — USD, EUR, GBP, SGD, HKD, AED, AUD, CAD, JPY, NZD, ILS, MXN, PLN, IDR, DKK and more — with genuine local IBANs and routing details so customers pay in as a domestic transfer.
Pay out on 20+ local rails
ACH, SEPA, UK FAST, FPS, FAST SG, ZENGIN, NAPAS, SLIPS, MEPS, Interac — plus SWIFT for the long tail. Route every payout to the cheapest, fastest rail, automatically.
Balances held · preview
40+ currencies
$48,217,400
Total balance held natively across all currency accounts
Held across42 currencies
Coverage at a glance
One balance, the whole world
40+currencies held natively
16local-account markets
20+local payout rails
Globalcoverage
+33 more
Interbank FX, transparent spread
Hold balances in 40+ currencies and convert at mid-market rates with the spread shown before you click. No hidden margin, no surprise lifting fees on the statement.
Mass payouts on a single API call
Push 50,000 recipients per batch via API or CSV, in any combination of currencies and rails. Get one consolidated reconciliation file back — and real-time webhooks for every state change.
One account, every market
Hold accounts and pay over local rails
Open local-currency accounts and pay over each country’s native rails in markets around the world — and reach many more destinations via international SWIFT wire. Each account uses a beneficiary form tailored to the country, so the right local fields are collected every time.
- Local details in 16 marketsUSD ACH & wire, EUR IBAN, GBP sort code — opened in your name, not a correspondent’s.
- Convert at the mid-market rateSee the real rate and spread before you click — hold & convert on demand.
- Same-day on 20+ local railsMoney lands like a domestic transfer, in and out, across countries worldwide.
Total balance · USD equivalent
$0
Preview
- US DollarACH · Wire · ····4821$0
- EuroSEPA · IBAN · DE89····€0
- British PoundFaster Payments · 20-··-··£0
- Singapore DollarFAST · PayNowS$0
- Japanese YenZengin · domestic¥0
How a cross-border payment settles
- InitiatedFrom your balance
- ConvertedMid-market rate
- On local railSEPA · ACH · FAST
- SettledSame day
Same-day · often minutesLands like a domestic transfer — no correspondent chain, no cut-off surprises.
Global
payout coverage through local rails — collect and pay in the currency you operate in.
0currencies held
0local rails
0uptime
Coverage by country
Open a Global Account in 16 markets
Receive in 23 currencies via local payment methods, accept international SWIFT wires, and authorize direct-debit payouts — here’s exactly what each country and currency supports.
| Market | Currencies | Receive via local payment methods | Receive via SWIFT | Payout via direct debit |
|---|---|---|---|---|
| Australia |
AUD | Direct Entry · NPP · Osko · RTGS | — | BECS |
 Canada |
CAD | EFT · Interac e-Transfer | — | EFT |
 Denmark |
DKKEURUSDGBPAUDAEDCADCHFCNYCZKHKDHUFILSJPYMXNNOKNZDPLNRONSEKSGDZAR | DKK: Intradagclearing · KRONOS2 · EUR: SEPA · SEPA Instant · Target2 | Yes | — |
 Estonia |
EUR | SEPA · SEPA Instant · Target2 | — | — |
| Germany |
EUR | SEPA · SEPA Instant · Target2 | — | — |
'/%3e%3cuse%20xlink:href='%23hk-a'%20transform='rotate(144%20248.5%20259.5)'/%3e%3cuse%20xlink:href='%23hk-a'%20transform='rotate(216%20248.5%20259.5)'/%3e%3cuse%20xlink:href='%23hk-a'%20transform='rotate(288%20248.5%20259.5)'/%3e%3c/svg%3e){kind=small} Hong Kong SAR |
CNYHKDEURUSDAUDGBPJPYSGDCHFCADNZD | CNY / HKD: ACH · RTGS · FPS · EUR / USD: RTGS | Yes | — |
 Indonesia |
IDR | RTGS · SKN · BI-FAST | — | — |
'%3e%3cpath%20fill='%23fff'%20d='M619.4%20512H-112V0h731.4z'/%3e%3cpath%20fill='%230038b8'%20d='M619.4%20115.2H-112V48h731.4zm0%20350.5H-112v-67.2h731.4zm-483-275%20110.1%20191.6L359%20191.6z'/%3e%3cpath%20fill='%23fff'%20d='m225.8%20317.8%2020.9%2035.5%2021.4-35.3z'/%3e%3cpath%20fill='%230038b8'%20d='M136%20320.6%20246.2%20129l112.4%20190.8z'/%3e%3cpath%20fill='%23fff'%20d='m225.8%20191.6%2020.9-35.5%2021.4%2035.4zM182%20271.1l-21.7%2036%2041-.1-19.3-36zm-21.3-66.5%2041.2.3-19.8%2036.3zm151.2%2067%2020.9%2035.5-41.7-.5zm20.5-67-41.2.3%2019.8%2036.3zm-114.3%200L189.7%20256l28.8%2050.3%2052.8%201.2%2032-51.5-29.6-52z'/%3e%3c/g%3e%3c/svg%3e){kind=small} Israel |
ILS | Faster Payments · MASAV · ZAHAV | — | — |
 Mexico |
MXN | SPEI | — | — |
 Netherlands |
EUR | SEPA · SEPA Instant · Target2 | — | SEPA Core |
'/%3e%3cuse%20xlink:href='%23nz-a'%20transform='rotate(72%200%200)'/%3e%3cuse%20xlink:href='%23nz-a'%20transform='rotate(-72%200%200)'/%3e%3cuse%20xlink:href='%23nz-a'%20transform='scale(-1%201)rotate(72)'/%3e%3c/g%3e%3c/defs%3e%3cpath%20fill='%2300247d'%20fill-rule='evenodd'%20d='M0%200h512v512H0z'/%3e%3cg%20transform='translate(-148.7%2090.5)scale(.60566)'%3e%3cuse%20xlink:href='%23nz-b'%20width='100%25'%20height='100%25'%20fill='%23fff'%20transform='translate(900%20120)scale(45.4)'/%3e%3cuse%20xlink:href='%23nz-b'%20width='100%25'%20height='100%25'%20fill='%23cc142b'%20transform='matrix(30%200%200%2030%20900%20120)'/%3e%3c/g%3e%3cg%20transform='rotate(82%20418.7%20105.1)scale(.60566)'%3e%3cuse%20xlink:href='%23nz-b'%20width='100%25'%20height='100%25'%20fill='%23fff'%20transform='rotate(-82%20519%20-457.7)scale(40.4)'/%3e%3cuse%20xlink:href='%23nz-b'%20width='100%25'%20height='100%25'%20fill='%23cc142b'%20transform='rotate(-82%20519%20-457.7)scale(25)'/%3e%3c/g%3e%3cg%20transform='rotate(82%20418.7%20105.1)scale(.60566)'%3e%3cuse%20xlink:href='%23nz-b'%20width='100%25'%20height='100%25'%20fill='%23fff'%20transform='rotate(-82%20668.6%20-327.7)scale(45.4)'/%3e%3cuse%20xlink:href='%23nz-b'%20width='100%25'%20height='100%25'%20fill='%23cc142b'%20transform='rotate(-82%20668.6%20-327.7)scale(30)'/%3e%3c/g%3e%3cg%20transform='translate(-148.7%2090.5)scale(.60566)'%3e%3cuse%20xlink:href='%23nz-b'%20width='100%25'%20height='100%25'%20fill='%23fff'%20transform='translate(900%20480)scale(50.4)'/%3e%3cuse%20xlink:href='%23nz-b'%20width='100%25'%20height='100%25'%20fill='%23cc142b'%20transform='matrix(35%200%200%2035%20900%20480)'/%3e%3c/g%3e%3cpath%20fill='%23012169'%20d='M0%200h256v256H0z'/%3e%3cpath%20fill='%23fff'%20d='M256%200v32l-95%2096%2095%2093.5V256h-33.5L127%20162l-93%2094H0v-34l93-93.5L0%2037V0h31l96%2094%2093-94z'/%3e%3cpath%20fill='%23c8102e'%20d='m92%20162%205.5%2017L21%20256H0v-1.5zm62-6%2027%204%2075%2073.5V256zM256%200l-96%2098-2-22%2075-76zM0%20.5%2096.5%2095%2067%2091%200%2024.5z'/%3e%3cpath%20fill='%23fff'%20d='M88%200v256h80V0zM0%2088v80h256V88z'/%3e%3cpath%20fill='%23c8102e'%20d='M0%20104v48h256v-48zM104%200v256h48V0z'/%3e%3c/svg%3e){kind=small} New Zealand |
NZD | Direct Credit | — | — |
 Poland |
PLN | Elixir · Express Elixir · Sorbnet (RTGS) | — | — |
| Singapore |
SGDUSDAUDCADCHFCNYEURGBPHKDJPYNOKNZDSEK | SGD: GIRO · MEPS · FAST | Yes | — |
| United Arab Emirates |
AED | IPI · RTGS | — | — |
| United Kingdom |
GBP | Faster Payments · BACS · CHAPS | Yes | BACS |
| United States |
USD | ACH · Fedwire · FedNow† · RTP† | Yes | ACH |
USD Local collection
USD Available via SWIFT
SWIFT wires accepted
† FedNow and RTP in the US are available to eligible customers, subject to approval. Coverage expands regularly — direct-debit pull is live in 5 markets (AU, CA, NL, UK, US).
FAQ
Frequently asked questions
Everything you need to know about Global Accounts, local IBANs, currencies, FX, and how Payouts fits your treasury stack.
Still have questions?
What’s the difference between total and available balance?
Total balance includes everything; available balance excludes money already loaded onto cards or locked for an obligation, so it reflects what you can actually spend right now.
Why is the ledger append-only?
An append-only ledger records every change as a new immutable entry. That gives real-time accurate balances and prevents two processes from spending the same funds at once.
Can I reserve funds for a future payment?
Yes. Lock/release funds reserves money for an upcoming obligation and releases it when you’re ready to pay.
Are exchange rates consistent across the platform?
Yes. A shared FX rate service normalizes rates so conversions are consistent everywhere in the app.
Hold, move, and convert
money in any currency
Open named global accounts, hold balances in many currencies, and convert at live FX — all on one append-only, real-time ledger. Talk to our team about your treasury setup.