Your Global USD Money Account
Hold US dollars, get paid in USD, send money worldwide, convert to digital dollars and spend with a Visa card. Everything adds up to one Total USD Balance.
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TOTAL USD BALANCEPRIMARY
Every account comes with a card.
Your RidgeXCard Visa spends straight from your Total USD Balance, online and in store, wherever Visa is accepted. Start with a virtual card the day your account opens, then add a physical one.
VIRTUAL · USD
PHYSICAL · USDSend, receive, convert and spend. All in dollars.
Pay anyone, three ways.
Send from your USD balance to bank accounts, including domestic and international IBANs, to another RidgeXCard member by tag, or as digital dollars to a wallet. International payouts reach recipients around the world, and you see the fee, the rate and the arrival time before you confirm.
USDC on Base~1 MIN▾Get paid like you have a US bank account.
Share your US routing and account numbers with employers and clients for ACH and wire payments. Or share a wallet address to receive USDC and USDT straight into your USD Virtual Balance.
Move between dollars and digital dollars.
Convert USD to USDC or USDT and back in a couple of taps. Pick the network, see the rate and the exact amount you'll get, then confirm. Your Total USD Balance updates straight away.
USDUSDC
See the rate before you send.
When you send dollars abroad, the app shows the live exchange rate, the fee and what your recipient gets, in their currency. No surprises on the other side.
A Visa card that spends your dollars.
Create a virtual card in seconds and order a physical one for everyday spending. Set your own limits, turn contactless on or off, and see every payment the moment it happens.
VIRTUAL · USD
Also in the app
Standing orders
Repeat any transfer weekly or monthly. Rent, family support and subscriptions go out on time without you lifting a finger.
Contacts
Everyone you pay is saved automatically. Search by name, email or tag and send again in seconds.
Security and freeze
Freeze a card instantly if it goes missing, hide balances with one tap, and approve sign-ins with your passcode or Face ID.
Every dollar you hold, in one total.
Your US dollar account and your digital dollars sit side by side. The app keeps them separate so you always know which is which, and adds them together so you see what you really have.
Total USD
Built to keep your money and data safe.
RidgeXCard works with licensed and regulated partners, and every layer of the app is designed around protecting your account.
Identity checks
Every customer is verified before an account opens, and activity is monitored to prevent fraud and money laundering.
Protected data
Your personal and payment data is encrypted in transit and at rest, and card details are only revealed after you authenticate.
App security
Sign in with a passcode or Face ID, freeze cards instantly, set your own limits and hide balances with one tap.
Three steps to your Global USD account.
Join the waitlist
Leave your email. We'll invite you as soon as accounts open where you live.
Verify in the app
Download RidgeXCard, scan your ID and take a quick selfie. Most checks finish in minutes.
Start using your dollars
Get your US account details, your wallet addresses and a virtual Visa card, ready to use straight away.
Questions, answered.
RidgeXCard is a global USD money account in an app. You get US account details for ACH and wire payments, a USD Virtual Balance for digital dollars, and a Visa card, all adding up to one Total USD Balance.
Anyone who wants a global USD account and the freedom to spend their dollars worldwide. That includes freelancers paid across borders, frequent travellers, and anyone whose income and spending happen in different countries.
No. RidgeXCard is a financial technology product. Accounts, card issuing, digital asset and conversion services are provided by licensed and regulated third-party partners.
It holds your digital dollars, USDC and USDT. It is shown separately in the app so you always know what you hold, and it is included in your Total USD Balance.
You choose the network from a list in the app, which shows how fast each one usually settles. Always send on the network shown next to your address.
Yes. Freeze and unfreeze any card instantly from the Cards tab. You can also set spending and cash limits and turn contactless on or off.
Join the waitlist and we will email you as soon as your account is ready to open. Availability depends on your country of residence.
Join the RidgexCard waitlist.
Leave your email and we'll let you know as soon as your account is ready to open.