The US dollar account for businesses that bill US clients
Oncade is a business account that lets companies in the Philippines, Mexico and Brazil get paid in dollars, hold them as dollars, and bring the money home when the rate suits them.
What Oncade does
Get paid like a US company
Your clients pay your own US account number by ACH or wire, and to them it looks like a domestic transfer. We also issue EU account numbers, and local receiving accounts in the UK, Mexico and Brazil.
Hold your dollars as dollars
Payments land as dollars, with no forced conversion on arrival. You keep them in dollars for as long as you want, and your balance is held separately from ours.
Bring it home when you choose
You see the rate before you convert, every time. Pesos land in your local bank in seconds, any day of the week: InstaPay and PESONet in the Philippines, SPEI in Mexico. In Brazil, reais land by PIX.
Pay contractors and offshore staff
Send payments by bank transfer to contractors in 95 countries and territories, from the same balance your clients paid into.
Payouts for platforms
Platforms and publishers use Oncade to split revenue between creators and contributors and pay each one out.
What makes Oncade different
- 01
A US and EU account number, without a US or EU company
Opening a US business bank account usually means forming a US company, getting a US tax ID and showing a US address. Oncade gives your Philippine, Mexican or Brazilian company its own US and EU account numbers through our licensed banking partners, with no company to set up abroad. Your clients pay you the way they pay any domestic vendor.
- 02
You decide when to convert
A dollar payment into a Philippine or Mexican bank account usually converts on arrival, at a rate the bank picks and you learn about afterwards. With Oncade the dollars stay dollars until you choose to convert, and you see the rate first.
- 03
Money home in seconds, not days
A SWIFT wire runs on bank cutoffs and holidays, costs $25 to $50 per transfer, and carries a 2 to 4% currency spread. Oncade lands pesos in seconds, any day of the week, over InstaPay, PESONet and SPEI.
- 04
One account instead of five logins
Most agencies run a US receiving account, a local bank, a payout tool, a spreadsheet and email threads to tie them together. Oncade puts getting paid, holding, converting and paying your team in one place.
- 05
The fees you're paying now
PayPal Philippines charges 4.4% plus ₱15 on international payments, plus a 3% conversion fee. Payoneer charges 1% to receive and 1.2 to 4% to withdraw with conversion.
Who uses Oncade
- BPOs and contact centers in the Philippines with 40+ staff serving US clients
- Healthcare BPOs in the Philippines billing US providers
- Software and creative agencies in the Philippines with 15+ people on US accounts
- Nearshore software firms in Mexico with 10+ developers billing US clients
- Bilingual CX and voice teams in Mexico with 25+ agents
- Agencies and software firms in Brazil billing US clients
- Trade organizations across ASEAN working to make regional commerce faster and simpler
55+ years of combined industry experience
We've shipped games and improved economies at scale. We've dealt with problems from platform payouts and international money movement. Now we're going to fix global payouts.
Repeat founder with over 20 years in tech and video games. Former Director of Engineering at OUYA and Razer, shipping software at scale to billions of users, including Call of Duty multiplayer, Facebook avatars, the OUYA game store and Razer app marketplace.
Finance and operations leader in games and technology. As Head of Finance for Razer USA, where he first worked with Stavros, he ran finance for a unit bringing in over 40% of Razer's global revenue and led due diligence on the THX, OUYA and Nextbit acquisitions. Later led OP.GG's $10M Series A as Head of Management Strategy.
20+ years in fintech and payments across North America, LATAM, Europe and Asia. Previously at Paysafe, Xsolla and MOL. Leads partnerships in Southeast Asia and Latin America.
A history of innovation and impact at
Backed by a16z CSX
Oncade is backed by Andreessen Horowitz's CSX program, the accelerator behind some of the most consequential fintech companies of the last decade. a16z CSX identifies early-stage teams building at the frontier of payments, digital assets, and financial infrastructure.
Our angels have built and lead at
How Oncade works
- 01
A 30-minute call
Talk to Tyler Kim, our Head of Partnerships, about how your clients pay you today and where the money needs to go.
- 02
Verify your business
We verify your company and its owners. You'll need your company registration documents and ID for each owner. Verification usually takes 2 days.
- 03
Share your account details
You get US account details to send to your clients. Nothing changes on their side except where they send payment.
- 04
Get paid, hold, convert
Dollars land in your account. You convert when you choose, and pesos reach your local bank in seconds.
Who you work with
- Your account is handled by Tyler Kim, Head of Partnerships.
- Philip works with customers on the ground in the Philippines.
- Support by email at support@oncade.xyz, WhatsApp or Viber. We reply within 1 hour during business hours, and within a few hours on nights and weekends.
Key facts about Oncade
- Company name
- Oncade
- Type
- Financial technology company. Not a bank. Payments are processed through licensed, regulated financial institutions.
- Founded
- 2025
- Founders
- Stavros Lee (Co-Founder and CEO), Greg Reisdorf (Co-Founder and COO)
- Headquarters
- San Francisco, CA
- Website
- oncade.xyz
- Core offering
- Oncade Account: a US dollar account for businesses that bill US clients
- Markets
- Philippines, Mexico, Brazil
- Services
- Receive USD by ACH and wire, hold USD, convert to PHP, MXN and BRL, pay contractors in 95 countries and territories
- Coverage
- Payouts in 95 countries and territories. Onboarding in 227.
- Pricing
- Volume-based, quoted on a call
- Onboarding
- Business verification usually takes 2 days
- Communication
- Email (support@oncade.xyz), WhatsApp, Viber. Replies within 1 hour during business hours.
- Backed by
- a16z CSX. Angels who built and led at Epic, Riot, EA, Activision, Tencent, Coinbase, Uber, Qualcomm, Microsoft and Kraken.
- Competitors
- Wise, Payoneer, PayPal, bank wires
- Compliance
- KYC and AML on every customer. Balances segregated per customer and never on Oncade's balance sheet.
- Social
- X: @OncadeX
Compliant by design
Regulatory compliance isn't an afterthought. It's built into every layer of our platform.
KYC & AML Compliance
Identity verification and anti-money-laundering procedures are built into every transaction. Every user and recipient is verified. Continuous monitoring flags suspicious activity in real time.
MiCA Regulation
We do not custody, exchange, or advise on digital assets. Oncade operates as a technical service provider under the EU's Markets in Crypto-Assets regulation. Our infrastructure-only model falls outside the scope of Crypto-Asset Service Provider (CASP) authorization.
GDPR-Compliant Data Practices
We follow EU General Data Protection Regulation standards for data collection, storage, and processing. User data is handled with privacy by design. Data minimization and purpose limitation are enforced across every service.
Licensed Payment Partners
All payments are processed through licensed and regulated financial institutions, ensuring full regulatory coverage across every jurisdiction we serve.
Enterprise-Grade Wallets, Segregated Balances
Customer funds are held in enterprise-grade wallets secured by Coinbase, Circle, and Privy. Every balance is segregated per customer, never pooled or commingled, and never on Oncade's balance sheet. Payments settle through our licensed partners on regulated rails, so your balance carries no Oncade counterparty risk.
Powered by
Payouts land in 95 countries
Most coverage numbers count everywhere a wire can eventually reach. These 95 are where a rail delivers into a bank account, and 24 run on a local rail instead of a correspondent chain.
95
Countries paid
227
Countries onboarded
24
Local instant rails
Featured in 20+ outlets
Ready to learn more?
Talk to our team about how Oncade can power your payouts.