Getting started
Individual or business signup, MFA, banking partner terms, identity verification, and funding your Checking balance.
Account types
Echlon offers two account types:
For freelancers, remote workers, entrepreneurs, and anyone who operates across borders. Includes USD and EUR virtual accounts to receive payments, and access to all supported local currencies.
For companies, marketplaces, agencies, and any entity that sends, receives, or manages money internationally. Includes everything in individual accounts, with higher transaction limits and additional verification.
You choose your account type during signup. One account per tax ID — individual or entity.
Getting started
Opening an Echlon account takes just a few minutes:
- Sign up — visit echlon.xyz and click "Open Account." Choose individual or business.
- Verify your email — check your inbox for a confirmation link.
- Secure your Echlon account — set up multi-factor authentication (MFA) using an authenticator app like Google Authenticator or Authy.
- Accept Terms of Service — review and accept the terms from our regulated banking partner (quick in-app step).
- Verify your identity — upload your documents and complete a liveness check. See Verification for exactly what you'll need.
- You're in — once verified, your account is active and ready to start transacting.
What you'll need for verification
Individuals: photo ID and a selfie/liveness check. Proof of address (dated within 3 months). Typically approved within minutes. In some cases it may take hours.
Businesses: company registration documents, proof of ownership, tax ID, bank statements, proof of address, plus photo ID and proof of address for anyone who owns 25% or more of the business, or who has significant control over it (such as a director or CEO). Takes up to 3 business days.
For the complete document checklist, step-by-step walkthrough, and tips for faster approval, see Verification.
Restricted jurisdictions
Echlon is available in most countries. A small number of jurisdictions are restricted due to regulatory requirements — see the full list in our Prohibited Activities & Jurisdictions page if you're unsure whether your country is supported.
Your first action
Once your account is verified:
You have three balances — Checking, Cards, and Treasury. Your Checking balance is where everything starts. See Your balances.
Share your virtual account details with anyone who needs to pay you. Funds arrive in your Checking balance. See Receiving payments.
Send money to recipients in the US, Brazil, Mexico, Colombia, Argentina, or internationally. See Sending payments.
Create virtual cards and spend wherever Visa is accepted.
From the Treasury page, allocate funds from Checking when you want to earn yield — nothing moves without your confirmation or pre-approved permission. You can request a redemption back to Checking at any time, but processing may be delayed during abnormal market or protocol conditions.
Still need help?
Have a question that isn't answered here? See our support channels, message us on WhatsApp at +1 (787) 468-5842, or open a support ticket — we typically respond within 24 hours.