Echlon for individuals

Your dollars, in your control.

A USD account from anywhere in the world — hold dollars, send money home, and earn on savings at rates your bank can't match. No U.S. residency required.

01 · HOLD

A dollar account, wherever you are.

No U.S. residency requirement, no minimums, no monthly fees. Useful when your local currency is volatile, when you earn in dollars, or when you simply want to save in a stable one.

02 · SEND & RECEIVE

Send money home. Get paid from anywhere.

Transfer to family or your own accounts abroad in their local currency. Receive from international clients and employers — they pay from any bank.

04 · SPEND · Coming soon

Spend at participating Visa merchants.

Virtual and physical Visa cards with real-time controls and tracking. One card for the life you actually live: groceries at home, flights abroad, subscriptions in dollars.

Keep your dollars. Keep control.

Your money sits in an account that belongs to you — not on Echlon's balance sheet, not pooled with anyone else's. Visible, accessible, and yours to move.

*Echlon is not a bank and does not take deposits. You retain control of your funds at all times.

Questions? [email protected]

Echlon is operated by Echlon Ltd.

Echlon is a financial technology company, not a bank. Banking services, including currency conversion and settlement, are provided by licensed partners. Echlon does not hold or custody user funds.

Yield figures (e.g. "up to 6.5% APY") are illustrative and not guaranteed. Actual rates may vary and are subject to change without notice. Past performance is not indicative of future results. Treasury products may involve technology risk, including smart contract risk. Only allocate funds you can afford to expose to these risks.

FX rates, transfer times, and fee estimates displayed on this site are representative and may vary by corridor, payment rail, and transaction size. Actual rates and settlement times are confirmed before each transaction. "Same day" settlement is available on select corridors and rails and is not guaranteed for all transfers.

Services may not be available in all jurisdictions. Account approval is subject to identity verification and compliance review. See our risk disclosure and terms of service for full details.