For remote workers, independent professionals and freelancers working with global clients.
Invoice any client. Get paid in USDc.
Spend globally, access your money early,
and grow it automatically.
• You work with international clients.
• You want to get paid in USDc.
• You want full control over your money.
• You expect more from your financial tools.
• You only operate locally.
• You’re still operating in the old model.
• You accept delays, restrictions, and friction around your money .
Get paid fast
Receive payments in USD from clients anywhere in the world.
Move your money globally
Send to 100+ countries in minutes, including Binance, Wise and Revolut.
Spend like a high earner
Use your Visa Platinum card anywhere Visa is accepted.
Grow your money with Future Fund
Earn up to 5.25% annually on your balance, automatically.
Pay local bills
Pay 5,000+ providers in Mexico, Colombia, Argentina, Chile and Peru.
Zero incoming payment fees
Receive with no fees and withdraw locally in 15 minutes.
This isn't just a better way to get paid. It's a completely different financial system.
Category | The old way | Ontop |
|---|---|---|
| Currency | The old way Forced conversion to local currency on arrival | Ontop Hold USD as long as you want, convert only when you choose |
| Speed | The old way 3 to 5 business days for an international wire | Ontop Most payouts land in about 15 minutes |
| Fees | The old way Pay-in fees, FX spread, and card charges of 1.5 to 2% | Ontop Zero pay-in fees and no foreign transaction fees on card spend |
| Idle money | The old way Sits in a bank account earning nothing | Ontop Earns 3% to 5.25% annually in Future Fund |
| Spending | The old way Local card with limits abroad and online | Ontop Visa Platinum card accepted worldwide, online and in-store |
| Upside | The old way No rewards for being a loyal customer | Ontop Milestone rewards plus up to $4,000 in annual Reserve benefits |
Unlock the full potential of your Global Account with Reserve, our premium membership.
Grow your money with Future Fund. Earn up to 5.25% annually on your USD balance with higher Future Fund returns.
