The USD account your business runs on.
Get paid in dollars. Hold them as dollars for as long as you want. Convert to your currency only when the rate suits you. Built for businesses outside the US that bill US clients in dollars.
Only you hold your money. Funds sit in enterprise-grade wallets secured by Coinbase, Circle and Privy, segregated per customer. Backed by a16z.
Illustrative balances and rates.
Backed by a16z
Our angels built and ran payments at
Built for how your firm gets paid.
Paying people across borders instead?Platforms paying creatorsPublishers paying royaltiesB2B marketplaces paying suppliers
Not sure which is you? Start with getting paid from abroad, what a cross-border payment really costs, or the country guides.
Getting your own money home costs you twice.
You invoice US clients in dollars. Then the dollars sit in an account you do not control, your bank converts at a rate you learn about after the fact, and your team waits days for funds that already exist. You pay twice: once in the fee you can see, once in the rate you cannot.
- 01
Your bank sets the rate
You find out the FX rate after the conversion is done. The bank's markup is hidden in the rate. It never appears as a line on any statement.
- 02
Five logins, one business
A US receiving account, a local bank, a payout tool, a spreadsheet, and email threads to tie them together.
- 03
Waiting, and not knowing where the money is
Cutoffs, holidays and batch windows decide when your team gets paid. Once a transfer leaves, you are guessing until someone on the other side confirms it landed.
Receive dollars. Send them home on your terms.
01Get paid
Your US clients pay into your own US account number by ACH or wire. To them it looks like a domestic transfer.
Learn more
02Hold
Dollars land as dollars, with no forced conversion on the way in. Hold them as long as you want.
03Convert
See the rate before you commit, every time. Land pesos in your local bank.
Learn more
Before and after.
The same moment, a US client pays your invoice, with and without an account you control.
The bank decides.
- A US client pays. The dollars hit your local bank.
- The bank converts at its rate, on its schedule.
- You learn the rate after the money has moved.
- Your team waits for funds that already exist.
You decide.
- A US client pays. The dollars land as dollars in your account.
- You see the rate before anything moves.
- You choose when to convert.
- Pesos land in your local bank.
Mexico and the Philippines first. Payouts to 95 countries and territories.
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. Payouts land in 95 countries and territories. We onboard businesses and recipients in 227.
Mexico
- Via
- SPEI
- Currency
- MXN
- Timing
- Seconds, 24/7
Philippines
- Via
- Local bank transfer
- Currency
- PHP
- Timing
- Seconds, 24/7
Licensed institutions hold your money. Not Oncade.
Licensed payment partners
Every payment is processed through licensed and regulated financial institutions in the jurisdictions we serve.
Your balance, held apart
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.
KYC and AML built in
Identity verification and anti-money-laundering checks run on every transaction, with continuous monitoring for suspicious activity.
Oncade is a financial technology company, not a bank. Payments are processed through licensed and regulated financial institutions.
Built by people who ran money at scale.
Stavros Lee · Co-Founder and CEO
20+ years across big tech, video games and fintech. Shipped software to billions of users at Facebook, Razer and Coinbase.
Greg Reisdorf · Co-Founder and COO
23+ years in video games. Creative Director for Call of Duty multiplayer for 13 years.
55+ years of combined experience. Backed by a16z and angels who built payments at Epic, Riot, Coinbase and others.
Meet the teamSee your dollars land at home, on one screen.
Tell us where you bill from and where you pay. We will show you the rate and the timing.