ALIF — US dollar account
A US dollar accountthat works across borders.
Get paid from abroad, keep one balance in US dollars, pay people in their own currency and spend with an ALIF card. It settles on stablecoins underneath; what you see is dollars.
01Why it matters
Getting paid across bordersstill takes five tools.
People are paid from abroad and companies sell into markets where they have no office. Most accounts still assume one country, so everyone stitches together the rest.
The usual stack
- 01A local bankHolds the balance. Stops at the border.
- 02A payment platformTakes money in. Rarely holds it.
- 03An FX providerConverts on its own schedule and spread.
- 04A cardSpends, usually in one currency.
- 05A spreadsheetWhere the whole picture actually lives.
None of them gives you one balance to see, spend and pay from.
02The account
One balance,in US dollars.
Total balance
$184,920.40
- Receive
- Hold
- Send
- Spend
Recent
- Client · New YorkPaid in dollars+$12,400.00
- Employer · LondonSender paid £6,180.00+$7,822.78
- Studio · BerlinSender paid €4,250.00+$4,619.57
Illustrative interface. Figures are examples.
- 01
Receive
Get paid by employers, clients and customers abroad. Whatever currency they pay in, it arrives as US dollars.
- 02
Hold
One balance, in US dollars. No euro or pound balance beside it to manage.
- 03
Send
Pay people in their own currency from your dollar balance. You see what they receive, the rate and the fee before you confirm.
- 04
Spend
Pay online and in person with an ALIF card. A purchase in another currency is converted from your dollars when you pay.
03Personal
For people whose livesdon’t fit inside one country.
Paid from abroad, spending where you live or travel, and saving in US dollars.
- Remote employees paid from abroad
- Freelancers and contractors with clients in several countries
- International students and frequent travellers
04Business
For businessesthat operate globally.
Revenue in and payments out, in the currencies customers and suppliers use, from one US dollar balance.
- 01
Collect revenue
From customers and platforms in other markets.
- 02
Pay people and suppliers
Staff, contractors and vendors, each in their own currency.
- 03
Hold one balance
In US dollars, whatever currency revenue arrives in.
- 04
Approve and control
A second approval for large payments, and cards with limits for the team.
05Cards
Two cards.One dollar balance behind them.
Pay in the merchant’s currency anywhere the card is accepted. It is converted from your dollar balance at the moment you pay.
- Everyday
- For day-to-day spending, online and in person, straight from your dollar balance.
- Premium
- For people who travel and pay across borders often. Same dollar balance.
06How it works
Stablecoin settlement,kept out of sight.
ALIF settles in USDT, a US dollar stablecoin, which moves between countries without waiting on correspondent banks. It is plumbing: for everyday payments you see dollars, not wallets, networks or addresses.
- Dollars on top
- Your balance is in US dollars. The stablecoin it settles in never shows up as a separate balance.
- Settlement every day
- Stablecoin settlement doesn't stop for weekends. Local bank payouts follow each bank's own hours.
- Licensed partners
- Regulated services, such as cards and local payouts, are provided with licensed partners.
07Pricing
Three plans.One dollar account.
Start with no monthly fee. Premium and Business add better pricing and more for the people and companies that need it.
Everyday
$0/ month
For getting started with a global USD account.
- US dollar account
- Receive and send money
- Standard rates
Premium
$6.99/ month
Better rates and more benefits for people who use ALIF regularly.
- Better FX and transfer pricing
- Premium card and partner offers, planned
- Priority support
Business
$19/ month
For businesses moving money globally.
- Team access for up to 3 members
- Better money-movement pricing
- Statements and exports
Pricing and features are planned for beta and may change before launch.
See full pricingJoinearly access.
Questions
What is ALIF?
A US dollar account for people and businesses that earn, pay and spend across borders. Money can come in and go out in other currencies; the balance is always in dollars.
Is it available?
Not yet. ALIF is in development, and launch markets and dates will be announced.
Is it a bank?
No. ALIF is a financial technology company. Regulated services, such as cards and local payouts, are provided with licensed partners.
Who is it for?
People and businesses that earn, pay or hold money across countries.
Which countries and currencies?
Launch markets will be announced. Whichever currency money arrives or leaves in, your balance is held in US dollars.
What will it cost?
Pricing will be published before launch. Every payment shows its rate and fee before you confirm it.
What does joining do?
You’ll get emails about the product and its availability. It isn’t an account or a reserved place, and your address is used only to contact you about ALIF.