For individuals
Get Paid in Dollars, Wherever You Live
REDFi gives eligible individuals a USD account with their own routing and account numbers, stablecoin wallets for USDB, USDC and USDT, and payouts to supported local bank accounts. Clients pay you in dollars; you decide when to convert and cash out. REDFi is a financial technology platform, not a bank, and services are subject to identity 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
Freelancers and creators
Clients pay in USD. Local banking is slow, expensive, or will not accept the payment at all.
Remote workers
Paid across borders every month, and want access to digital dollars rather than an immediate forced conversion.
People sending money home
Need a supported local payout rail rather than a queue at a counter.
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
A US client pays your invoice
They send a domestic wire to your own account details. It converts to USDB and sits there until you need it.
Rent is due in pesos
Convert only what the rent costs and send it through SPEI, keeping the rest in dollars.
You are paid in stablecoins
Send USDC or USDT to your deposit address on a supported network and it becomes spendable balance.
You want the money out on a Sunday
Supported payout functionality is available 24/7, subject to the destination rail and screening.
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
Do I need to live in the United States?
No. REDFi is open to eligible individuals in supported countries. The Countries page lists where.
Do I get real account details clients can pay?
Yes — your own routing and account numbers, provided through REDFi's regulated partners.
How can a client pay me?
By domestic wire (Fedwire). Third-party payments are supported, so the money does not have to come from an account in your name.
Do I have to convert straight away?
No. Your balance is held as USDB, a dollar-denominated stablecoin, and you choose when to convert and pay out.
Can I get the money into my local bank?
Yes, to supported local currencies including COP, MXN, BRL, EUR and GBP through the rails listed on this page.
What does it cost?
Every fee is shown before you confirm a transaction, and applicable fees and limits are shown in your dashboard.
Is this a bank account?
No. REDFi is a financial technology platform, not a bank. Balances are held as USDB 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 |