Get paid in dollars. Keep them as dollars.
The USD account for companies billing US clients from abroad
Your own US and EU account numbers, so a US client pays what looks to them like a domestic transfer. The balance stays in dollars until you decide to convert, it earns interest while you hold it, and the interest is credited to you. Payouts land in 95 countries and territories, and we onboard businesses and recipients in 227. Pricing starts at 2.5% per transaction and comes down as your volume grows.
How the money moves
Who pays
Your US client
Pays in USD
Yours
Oncade Account
US and EU account numbers
Balance
Held in USD
You pick the moment
Payout
Your team, local currency
Your timing, your rate
Your revenue is in dollars. It lands as something else.
What it costs to get your own money home
Dollars from a US client convert to local currency the moment they arrive, at a rate you learn about afterwards
A traditional SWIFT wire runs $25 to $50 per transaction plus a 2 to 4 percent currency spread, and the money arrives short
Transfers sit in a correspondent chain over weekends and holidays while your team waits for funds that already exist
Revenue is scattered across platform balances, a payment provider and a local bank, so nobody has one view of what came in
One account: get paid in USD, hold it, pay your team
The next time a US client asks where to send the money, give them your US account number
US and EU account numbers in your name
Real account and routing details that belong to your company. A US or European client pays you the way they pay a domestic supplier, with nothing new to learn on their side.
Dollars land as dollars
Your balance stays in USD. No forced conversion on arrival, and no rate set for you on the day the payment happens to land.
Your held dollars earn interest, and you keep it
A balance waiting for the right rate is not dead money. It earns interest while you hold it, up to 5% APY*, and the interest is credited to you. The money sits in enterprise-grade wallets secured by Coinbase, Circle and Privy, segregated per customer.
You decide when to convert
See the rate before you commit, convert the amount you actually need, and leave the rest in dollars.
Pay your team and contractors locally
Payouts land in 95 countries and territories, and 24 of those run on a local rail instead of a correspondent chain. Contractors and offshore staff receive their own currency in their own bank account.
Only you hold your money
Customer funds are held in enterprise-grade wallets secured by Coinbase, Circle, and Privy, segregated per customer, never pooled or commingled, and never on Oncade's balance sheet.
One reconciled ledger
Every receipt, invoice and payout in a single view, already matched. Close the month without rebuilding it from statements and spreadsheets.
What you can measure at month end
Coverage, control and visibility
Your moment, your rate
Conversion stops being something that happens to you on arrival. You hold dollars and convert when you decide the rate is right.
Local currency on a local rail
Where a local rail exists, payouts run on it instead of a correspondent chain. Mexico settles over SPEI in minutes, 24/7. The Philippines lands in a local bank account in under an hour.
One ledger instead of five logins
Receipts, invoices and payouts sit in one place and arrive already matched, so month end is a review rather than a reconstruction.
Interest on dollars that used to sit at zero
Every month you hold a balance waiting for the rate you want, that balance earns interest and the interest is credited to you.
Who runs on this account
Firms whose revenue arrives in dollars and whose costs are paid locally
Nearshore and offshore software firms
Bill US clients per sprint or per seat, hold the dollars, and pay developers in local currency on your own payroll calendar.
USD revenue, local payroll
BPO, CX and back-office teams
Invoice US accounts monthly and stop losing the margin between the day a client pays and the day it gets converted.
Recurring monthly invoices
Staffing and contractor management firms
Receive one dollar payment from the client, then pay contractors across several countries from the same balance.
One payment in, many out
Creative, production and professional services
Take project payments from US clients in dollars and convert in the amounts you actually need, when you need them.
Project-based, lumpy receipts
Where your dollars sit, and who decides
The same invoice, paid three ways
| Correspondent wire | Wise / Payoneer | Oncade | |
|---|---|---|---|
| Where the dollars land | Your local bank, already converted | A provider balance | US and EU account numbers in your company name |
| Hold USD without converting | No | Depends where you live | Yes |
| Who picks the conversion moment | The receiving bank | You, inside their limits | You |
| You see the rate before you commit | After the fact | Yes | Yes |
| Payout into a local bank account | Correspondent chain | Varies by country | 95 countries and territories, 24 on a local rail |
How to read a coverage number
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. Ask any provider how many of their countries take a local rail.
Built for companies billing US clients from abroad
If your revenue is in dollars and your costs are in local currency, this account was built for you
Nearshore and offshore software firms and dev shops invoicing US clients in dollars
BPO, CX and back-office teams serving US accounts on recurring monthly contracts
Staffing and contractor management firms paying people in several countries
Creative, production and professional services firms taking project payments from US clients
Exporters, e-commerce and SaaS businesses collecting dollars while operating locally
Any team that wants to hold dollars rather than convert on the day a payment arrives
Mexico and the Philippines have their own pages. If you bank anywhere else, this is the account for you, and the country coverage page tells you where payouts land.
Priced on what you move
One rate on the dollars that come in and go out
Oncade Account
One rate on the dollars you move, charged to you and not to your recipients
Reductions negotiated against your volume commitment
US and EU account numbers in your company name
Hold your balance in USD for as long as you want
See the rate before you commit to a conversion
Payouts into 95 countries and territories
Onboarding in 227 countries and territories
Your held balance earns interest, up to 5% APY, and the interest is yours
2.5% is where you start. A traditional SWIFT wire costs $25 to $50 per transaction plus a 2 to 4 percent currency spread. Tell us what you move, where your clients pay from and where your team gets paid, and we will quote the rate against your volume.
Three steps to point your revenue at an account you control
No crypto to learn, no stack of five logins
Verify your business once
We onboard businesses and recipients in 227 countries and territories. Most teams are live in under a week.
Give clients your account number
Put your US or EU account details on your invoices and on platform payout pages. Your client sends what looks to them like a domestic transfer.
Hold, convert, pay
Keep the balance in dollars, convert the amount you need when the rate suits you, and pay your team and contractors in their own currency.
Questions first? Ask us anything, including how the rails work underneath.
Point your US revenue at an account you control.
For companies billing US clients from abroad.
Tell us where your clients pay from and where your team gets paid.
*Yield figure is based on historical trends. Rates are variable, not guaranteed, and subject to change.