The USD account your business runs on.
Get paid in dollars. Hold them as dollars for as long as you want. Convert to pesos only when the rate suits you. Built for agencies and BPOs in Mexico and the Philippines that bill US clients.
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.
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
Banking hours you did not choose
Cutoffs, holidays, and batch windows decide when your team gets paid, not you.
- 04
No view of money in flight
Once a transfer leaves, you are guessing until someone on the other side confirms it landed.
Receive dollars. Send them home on your terms.
Receive and hold
Dollars land as dollars.
- Your own US account number for client payments
- No forced conversion on the way in
- Hold as long as you want, convert when the rate suits you
- Your balance earns up to 5% APY*. You keep the interest, not the bank.
- Reconcile every incoming payment against its invoice
Convert and remit
See the rate. Then send.
- See the rate before you commit, every time
- Land pesos in Mexico or the Philippines, in a local bank account
- Pay contractors and staff directly, in their currency
- No cutoffs. No bank holidays. Send when payroll is due.
Before and after.
Their rate
Converted client dollars at the bank’s rate, on the bank’s timeline. Now the firm sees the rate first and converts on its own schedule.
Seconds
Hit send in the US. The funds were sitting in the agency’s local bank account in seconds.
Mexico and the Philippines first. 95 countries behind them.
Mexico and the Philippines get local bank transfers in local currency. Beyond them, Oncade pays out to 95 countries and territories by local bank transfer.
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.
See 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.
*Yield figure is based on historical trends. Rates are variable, not guaranteed, and subject to change.