Make your money smart, global and instant.
One account that collects dollars from your clients, holds them as dollars, and moves them anywhere you need them.
95
countries and territories where the money can be delivered
227
where we can onboard a business or a recipient
A US and EU account number, without an entity in either country.
Get paid the way a local supplier does, from the company you already run at home.
- Balances
Receive dollars, hold dollars
Dollars land as dollars and stay dollars for as long as you want them to.
- FX control
You pick the moment to convert
Watch the rate and convert when it suits you, not when your bank decides for you.
- Reach
Send dollars to anyone in the world
Pay staff, contractors and suppliers wherever they bank.
- Hours
Send and receive 24/7
Nights, weekends and bank holidays included.
- Yield
Earn on the dollars you hold
An idle balance keeps working while you decide what to do with it.
Three flows, start to finish.
Each one follows a single payment from the moment a customer sends it to the moment it reaches the person it belongs to.
An outsourcing agency in the Philippines or Mexico
Days to minutes
Clients in the US and EU. Team, rent and payroll at home.
01Invoice
Bill the client from Oncade
The agency sends its US or EU client an invoice inside Oncade.
02Payment
The client pays from their own bank
A normal domestic transfer for them. Local fees, no international wire.
03Landing
Funds hit the agency's US or EU account number
The account is in the agency’s own name, with no entity in that country.
04Hold
Straight into the Oncade account
Hold the dollars, earn on the balance, and watch the rate.
From step 04, the agency chooses
Convert on your call
Local currency into the local bank, at the moment the rate looks right.
Pay the team in dollars
Staff and contractors paid in USD. Nothing converts, so there is no FX cost.
Pay abroad in dollars
Suppliers and partners in other countries paid in USD, again with no conversion.
A Philippine bank, dollar transfers inside its own app
Capture money coming in from the US
The bank keeps the customer. Oncade supplies the US account and the compliance work behind it.
01Integrate
The bank embeds Oncade
Oncade sits inside the banking app the customer already uses.
02Register
The customer clicks through and signs up
One registration flow, and Oncade runs the identity checks.
03Account
They get a US account number
Family and employers in the US send to it the way they send to any US account.
04Receive
Dollars arrive from the US
A normal US bank transfer in, held as dollars until the customer moves it.
05Settle
Transfer to the local bank account, in the same app
Getting paid and banking in one place, with no separate service to open.
A game publisher closing the month
Get days of time back every month
25 to 30 platform statements, cash arriving on unrelated cycles, and a different contract behind every payee.
01Intake
25 to 30 CSVs land each month
Every platform on its own format, its own schedule and its own payment cycle.
02Normalize
Oncade reconciles every statement
Each line maps to a title, a platform and the payees who have a claim on it.
03Calculate
Splits, recoups and platform terms run automatically
Revenue shares, advances still recouping and platform-specific rates applied per contract.
04Report
One report per payee
A single statement that shows the breakdown behind every number on it.
05Pay
Payouts go out
Every payee paid into a dollar account they control, wherever they are.
How fast it actually runs.
Three payments that already went through, timed start to finish.
25min
Manila to Europe
A Philippine agency invoiced a customer in Europe and had the money sitting in its Oncade account 25 minutes later.
45min
Was five days
The same kind of agency billing a customer in China used to wait five days to get paid. The payment reached its Oncade account in 45 minutes.
under90min
US send to pesos
From clicking send in the United States to pesos landing in a Philippine bank account, in under an hour and a half.
Mexico
A Mexican company moves dollars out of its own Mexican dollar account, converts through Oncade, and sends pesos back to its Mexican bank. That round trip is faster and simpler than converting where the dollars already sat.
Tell us how your money moves today.
Send us your countries and we will map the same flow for your business, with the rate and the timeline you would actually get.