For businesses
Dollar Revenue In. Local Costs Out. One Account.
REDFi gives eligible businesses a USD account with their own routing and account numbers, stablecoin wallets for USDB, USDC and USDT, and payouts to supported local bank accounts — with multi-user access and role-based controls over who can move money. Revenue arrives in dollars and stays in dollars until a local cost is actually due. REDFi is a financial technology platform, not a bank, and services are subject to business verification, country availability and compliance review.
Available to eligible customers in 86+ countries. KYC/KYB, jurisdiction, compliance review, fees and partner approval apply.
Who this is for
E-commerce and marketplaces
Revenue lands in one currency while suppliers, ads and staff are paid in another.
Agencies and service exporters
Invoice international clients in USD, then pay a local team and local overheads.
Founders and finance leads
Want one place to see what came in, what is held, and what is scheduled to leave.
How it works
Getting paid, and paying out
Getting money in
Domestic wire is the supported way to receive USD. Supported stablecoins can also be sent to your deposit address.
| Rail | Currency | Notes |
|---|---|---|
| Domestic wire (Fedwire) | USD | First-party and third-party payments are both supported. |
Paying money out
Convert and send to a supported local rail when the money is actually needed.
| Rail | Currency | Where |
|---|---|---|
| SEPA | EUR | Euro area. |
| PIX | BRL | Brazil. |
| SPEI | MXN | Mexico. |
| Bre-B | COP | Colombia. |
| GBP Faster Payments | GBP | United Kingdom. |
What happens when money arrives
All supported incoming fiat and stablecoins are automatically converted to USDB. This applies to every verified and active account with a supported custodial wallet in a supported jurisdiction.
Your dashboard shows the balance as USDB. It is not held as a fiat balance.
What you can do from that balance
- Convert USDB back to USD
- Send USD to a supported bank account
- Convert and pay out to supported fiat currencies, including COP, MXN, BRL, EUR and GBP
- Withdraw supported stablecoins to an external wallet
- Transfer USDB to another REDFi user
- Access supported payout functionality 24/7
Subject to jurisdiction, account status, custodial-wallet support, transaction screening, and dashboard availability.
Stablecoins you can hold and move
| Stablecoin | Networks | Notes |
|---|---|---|
| USDB | Base, Solana | The balance every supported deposit converts into. |
| USDC | Ethereum, Base, Solana | Deposit and withdraw on supported networks. |
| USDT | Tron, Ethereum | Deposit and withdraw on supported networks. |
Your REDFi dashboard shows every network currently available to you.
In practice
What this looks like
USD revenue, COP expenses
Receive client payments, keep an operating buffer in dollars, and convert and send COP through Bre-B when local costs fall due.
USD revenue, MXN payroll
Hold the month's dollars and pay supported Mexican bank accounts through SPEI on payroll day, not on the day revenue arrived.
USD revenue, BRL suppliers
Convert and disburse through PIX when supplier invoices are due.
Contractors in several countries
Fund one balance and pay each contractor through whichever supported rail reaches them.
More than one person moving money
Multi-user access with role-based controls, so approving a payment and making one are separate jobs.
Stablecoin-native revenue
Receive supported stablecoins, hold them inside REDFi, and pay out through a supported destination.
Availability, rates, settlement time, review and limits vary by rail, destination and jurisdiction. Applicable fees and limits are shown in your REDFi dashboard, and every fee is shown before you confirm a transaction.
Rewards on eligible balances
| Eligible USDB balance | Rate |
|---|---|
| Eligible balances up to $100,000 | 2.0% annualized |
| $100,000 to $500,000 | 2.5% annualized |
| Above $500,000 | 3.0% annualized |
Rewards accrue daily and are distributed monthly, by the fifth business day of the following month.
REDFi Rewards are variable promotional rewards, not interest or guaranteed investment returns. Eligibility, exclusions and distribution timing are governed by the REDFi Rewards terms.
Who is eligible
Open to eligible individuals and businesses. Subject to KYC/KYB, country availability, compliance review, and partner approval.
The 86 listed countries support pay-ins and payouts, including supported fiat and stablecoins. See the full country list, which is the source of truth for where REDFi is available.
Limits, risks and what REDFi is not
- All payments and financial rails are supported and safeguarded through compliant, qualified service providers. REDFi is a financial technology platform, not a bank.
- Digital assets carry risk. Balances are held as USDB, a dollar-denominated stablecoin, not as a bank deposit.
- REDFi Rewards are variable promotional rewards, not interest or guaranteed investment returns. Eligibility, exclusions and distribution timing are governed by the REDFi Rewards terms.
- Availability, settlement time and eligibility vary by rail, destination, jurisdiction, compliance review and partner availability.
- Applicable fees and limits are shown in your REDFi dashboard, and every fee is shown before you confirm a transaction.
Questions
Does my company need to be registered in the United States?
No. REDFi is open to eligible businesses in supported countries, subject to KYB, jurisdiction, compliance review and partner approval.
How do customers pay us?
By domestic wire (Fedwire) into your own account details. Third-party payments are supported, so the sender does not have to be the account holder.
What happens to revenue when it arrives?
All supported incoming fiat and stablecoins are automatically converted to USDB. Your dashboard shows the balance as USDB, not as a fiat balance.
Can several people on my team have access?
Yes. Business accounts support multi-user access with role-based controls over what each person can do.
Can we pay suppliers and contractors abroad?
Yes, to supported local currencies including COP, MXN, BRL, EUR and GBP, through the rails listed on this page.
Do you offer an API or bulk payment upload?
Not today. If a capability is not listed on this page as available, it is not available, and you should not plan around it.
What does it cost?
Every fee is shown before you confirm a transaction, and applicable fees and limits are shown in your dashboard.
Is our balance a bank deposit?
No. REDFi is a financial technology platform, not a bank. Balances are held as USDB, a dollar-denominated stablecoin, and digital assets carry risk.
| If you want | Go to |
|---|---|
| The full product answer | /usd-account-stablecoin-wallet |
| How the treasury workflow fits together | /treasury |
| Who does what, and the risks | /security-compliance |
| Where REDFi is available | /countries |