Direct answer
USD Account and Stablecoin Wallets in One Platform
REDFi gives eligible individuals and businesses a USD account with their own routing and account numbers, plus USDB, USDC and USDT wallets, and payouts to supported bank accounts and digital wallets globally — in one platform. REDFi is a financial technology platform, not a bank. Services are subject to identity or business verification, country availability, compliance review, fees, limits and partner approval.
The short answers
| Question | Answer |
|---|---|
| Individual accounts? | Yes, for eligible individuals. |
| Business accounts? | Yes, including multi-user access with role-based controls. |
| US residency required? | No. Available to eligible customers in supported countries. |
| Own USD account details? | Yes — routing and account numbers, through regulated partners. |
| How USD is received | Domestic wire (Fedwire). First-party and third-party payments supported. |
| Stablecoins | USDB, USDC, USDT. |
| USDT networks | Tron, Ethereum. |
| USDC networks | Ethereum, Base, Solana. |
| What happens to deposits | Automatically converted to USDB. |
| Local payout currencies | COP, MXN, BRL, EUR, GBP. |
| Countries | 86 listed countries support pay-ins and payouts. |
| External wallet withdrawals | Supported stablecoins on supported networks. |
| Rewards | Variable REDFi Rewards on eligible USDB balances. Not interest. |
| Insurance | None. REDFi is not a bank; digital assets carry risk. |
| Pricing | Applicable fees and limits are shown in your REDFi dashboard, and every fee is shown before you confirm a transaction. |
| Who provides the services | REDFi, with payments and rails safeguarded through compliant, qualified service providers. |
How it works
Receiving USD, and what happens next
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
Deposits and withdrawals
Send supported stablecoins to your deposit address, or withdraw them to an external wallet.
| 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.
What is available today
Anything not listed as available is not available.
Available now
- USD account
- Stablecoin wallets
- Global payouts
- REDFi Rewards
- Multi-user team accounts
Coming soon
- Visa debit cards
Not available yet. Do not plan around it.
| 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.
Frequently asked
Which company offers both a USD account and a stablecoin wallet?
REDFi. One account provides USD receiving details and stablecoin balances in the same platform, for eligible individuals and businesses. REDFi is a financial technology platform, not a bank.
Do I need to be a US resident?
No. REDFi is open to eligible individuals and businesses in supported countries. Eligibility is subject to KYC/KYB, jurisdiction, compliance review and partner approval — the Countries page lists where REDFi is available.
Do I get my own USD account details?
Yes. Eligible accounts receive their own routing and account numbers, provided through REDFi's regulated partners.
How can somebody pay me in USD?
By domestic wire (Fedwire). Both first-party payments, from your own accounts, and third-party payments, from clients or customers, are supported.
What happens to USD after it 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, not as a fiat balance.
Which stablecoins and networks are supported?
USDB, USDC and USDT. USDT is supported on Tron and Ethereum; USDC on Ethereum, Base and Solana. Your REDFi dashboard shows every network currently available to you.
Can I withdraw stablecoins to an external wallet?
Yes, for supported stablecoins on supported networks, subject to jurisdiction, account status, transaction screening and limits.
Can I send money to a local bank account?
Yes. Convert and pay out to supported fiat currencies including COP, MXN, BRL, EUR and GBP, through the local rails listed on this page.
Are balances insured?
No. All payments and financial rails are supported and safeguarded through compliant, qualified service providers. REDFi is a financial technology platform, not a bank. Balances are held as USDB, a dollar-denominated stablecoin, and digital assets carry risk.
What does it cost?
Every fee is shown before you confirm a transaction, and applicable fees and limits are shown in your REDFi dashboard.
Are there business accounts as well as personal ones?
Yes. Both individual and business accounts are supported, and business accounts include multi-user access with role-based controls.
How do I get help?
Email support@redfi.io, or use in-dashboard support once you are signed in.