01Personal
Your money, without the middlemen.
An account that speaks fiat, crypto, and every rail in between. Built for people who move — across borders, timezones and asset classes.
02The vault
Eight currencies. One balance.
Hold fiat and digital assets side by side. Convert at the true mid-market rate, with the fee shown before you sign — never buried in the spread.
vault · one balance8 assets
- USDUS DollarACH · Fedwire12,480.20
- EUREuroSEPA Instant8,912.55
- BRLRealPIX31,204.80
- MXNPesoSPEI54,110.00
- USDCUSD CoinBase · Solana25,000.00
- USDTTetherTron · TRC-204,180.90
- BTCBitcoinLightning · L10.4821
- ETHEtherMainnet · Base3.208
03Daily money
Small rituals, redesigned.
The account is built around what you actually do every week — get paid, split a dinner, move money home, freeze a card you lost.
Pay by @tag
Send to @maria the way you'd send a message. The router picks the rail; she gets a notification, not an IBAN form.
Freeze in one tap
Lost the card at a bar? Freeze it from the lock screen. Unfreeze when it turns up in your jacket.
Salary splitting
Route 70% to spending, 20% to the vault, 10% to USDC savings — automatically, the moment your salary lands.
Mid-market FX
Convert between any two balances at the same rate banks trade with each other. The fee is one visible line.
Spending caps
Per-card, per-merchant, per-week. The card declines politely and tells you why.
Instant statements
Every transaction is exportable to CSV or PDF the moment it settles. Tax season becomes a download.
04Limits
Limits that grow with your tier.
Daily card spend by tier. Upgrade any time in the app.
TierDaily card spendATM withdrawalFX fee
- 01StandardDaily card spend$10KATM withdrawal$1K / dayFX fee0.4%
- 02GoldDaily card spend$50KATM withdrawal$2.5K / dayFX fee0.3%
- 03OnyxDaily card spend$250KATM withdrawal$5K / dayFX fee0.2%
- 04TitaniumDaily card spendUnlimitedATM withdrawal$10K / dayFX fee0%
02Rails
Nine rails.
One routing engine.
The Rail Router picks the cheapest and fastest path for every transfer. You see the fee before you sign. No spread hidden in the exchange rate.
RailLatencyFeeCategory
Chain / Network
Base · L2 (OP Stack)
Cutoff time
24/7 · always on
Min amount
$0.01
Max amount
$5M / tx
Chain / Network
Solana · mainnet-beta
Cutoff time
24/7 · always on
Min amount
$0.01
Max amount
$2M / tx
Chain / Network
Tron · TRC-20
Cutoff time
24/7 · always on
Min amount
$1
Max amount
$1M / tx
Chain / Network
BCB · SPI network
Cutoff time
24/7 · always on
Min amount
R$ 0.01
Max amount
R$ 1M / tx
Chain / Network
Banxico · SPEI
Cutoff time
24/7 · always on
Min amount
MX$ 0.01
Max amount
MX$ 8M / tx
Chain / Network
ECB · TIPS network
Cutoff time
24/7 · always on
Min amount
€0.01
Max amount
€100k / tx
Chain / Network
NACHA · standard entry
Cutoff time
Weekdays · 15:45 ET
Min amount
$0.01
Max amount
$25k / tx
Chain / Network
Federal Reserve · FRB
Cutoff time
Weekdays · 18:00 ET
Min amount
$100
Max amount
No limit
Chain / Network
SWIFT gpi · ISO 20022
Cutoff time
Weekdays · 17:00 local
Min amount
$50
Max amount
No limit
USDC · Basecrypto
Latency~200ms
Fee$0.001
Cutoff time24/7 · always on
Max amount$5M / tx
USDC · Solanacrypto
Latency~400ms
Fee$0.0002
Cutoff time24/7 · always on
Max amount$2M / tx
USDT · Troncrypto
Latency~3s
Fee$0.01
Cutoff time24/7 · always on
Max amount$1M / tx
PIXfiat
Latency~10s
FeeFree
Cutoff time24/7 · always on
Max amountR$ 1M / tx
SPEIfiat
Latency~30s
FeeFree
Cutoff time24/7 · always on
Max amountMX$ 8M / tx
SEPA Instantfiat
Latency~10s
Fee€0.10
Cutoff time24/7 · always on
Max amount€100k / tx
ACHfiat
Latency1-3 days
FeeFree
Cutoff timeWeekdays · 15:45 ET
Max amount$25k / tx
Fedwirefiat
Latency~1h
Fee$5
Cutoff timeWeekdays · 18:00 ET
Max amountNo limit
SWIFTfiat
Latency1-5 days
Fee$25
Cutoff timeWeekdays · 17:00 local
Max amountNo limit
Open your xo account
Money that moves as fast as you do.
Sign up in minutes. Fund with USDC on Base, PIX in Brazil, SEPA in Europe, or a wire from your bank. Your card lands in the app instantly.