Building the app now
Your money should work anywhere you do.
We're building one app to send, hold, and spend across borders. Whether it lands in a bank account, a mobile wallet, or as a digital dollar, we route it the way that suits that corridor — never locked to one set of rails.
Transparency before you send.
You'll see the exact exchange rate and our fee before you send. Nothing hidden, no surprises.
Money that only works in one place isn't much use.
Moving money across borders is still ridiculously slow and expensive. If you hold cash, it's trapped in your local currency. If you try to spend it abroad, your card gets declined. And for businesses, paying an international supplier means waiting a week just to find out the hidden fees.
We're taking those limits off, starting with how you send.
Four things, in this order.
Send money
Up firstGetting money to someone in another country takes too long, and too many middlemen take a cut.
Send directly from your phone. It arrives in local currency — to a bank, mobile wallet, or digital account — and you see the exact rate and fee before you confirm.
Digital dollar balance
LaterRight now, your money is locked into your local financial system.
We're building a way to hold a digital dollar balance directly in the app. Keep it, send it, or spend it globally without the usual borders.
A digital dollar tracks the US dollar. It is not a bank deposit and is not insured.
Card
LaterToo many cards stop working the moment you try to buy internationally, shutting you out of global markets.
We're building a global card linked directly to your digital balance, so your money works wherever you do.
Not a bank account, not insured.
Business payments
LaterPaying a supplier abroad usually takes days, and the true cost only appears after the fact.
Settle invoices abroad and get paid by customers overseas on the same network — without the week-long wait.
Everything beyond sending is subject to eligibility, availability and regulatory approval.
Built by people who've been on the other end of a transfer.
Andy was founded by immigrants. We've had to make the call home to explain why the money hasn't arrived as promised, or why we can only send a certain amount. Now, we're taking our experience building cross-border payment systems to fix the problem from the inside.