US dollars, without a US bank.
A US dollar account for a company outside the US. Get paid by US customers like a US company, pay anyone in dollars or stablecoins, and keep every payment under your approval rules.
Run on dollars from outside the US
Opening a US bank account usually means a US entity, a US address, and weeks of back and forth. If any of these sound like you, there is a shorter way.
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You bill US customers and they want to pay by ACH or wire, the way they pay every other vendor.
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You pay people everywhere: contractors, vendors and partners, some in dollars to a bank and some in stablecoins to a wallet.
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You already hold stablecoins and need a dependable way between them and dollars, under the same controls.
Your own US account details
A Universal Account gives your company its own US account and routing number, a SWIFT code for payers abroad, and stablecoin addresses, on one sheet you can hand to anyone.
- Your own account and routing number, so US customers pay you like any US vendor.
- A reference on every bank transfer, so each payment is traced to you.
- Dollars and stablecoins in one account, and conversion between them quoted before it runs.
Get paid like a US company. Pay like one too.
Every payer reaches the same account, whichever way they pay. Every payment out leaves from it, to a bank or to a wallet.
Money in
- From a US payer
- ACH, Fedwire or RTP, to your own account and routing number.
- From a bank abroad
- US dollars by SWIFT, to the same account.
- From a wallet
- Stablecoins on Ethereum, Base, Arbitrum or Avalanche. Solana and Tron are accepted too, and converted on the way in.
Money out
- To a US bank
- ACH or wire.
- To a bank abroad
- US dollars by SWIFT.
- To a wallet
- USDC and other stablecoins on Ethereum, Base, Arbitrum or Avalanche.
Bank payments outside the US go in US dollars, over SWIFT. There are no local-currency rails.
Try it Pick who pays you and who you pay.
All through one Universal Account
Coming in
- US customersACH, Fedwire or RTPYou hand them: Your own account and routing number, and a reference
Going out
- Vendors abroadSWIFT, in US dollarsYou need: Their SWIFT/BIC and account number or IBAN
- People paid in stablecoinsUSDC and other stablecoins on Ethereum, Base, Arbitrum or AvalancheYou need: Their verified wallet
Abroad means US dollars over SWIFT: there are no local-currency rails. Every payment out waits for your approval rules.
The controls a US finance team expects
Your investors, auditors and US customers will ask how money leaves the company. Here is the answer.
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Approved before it leaves
Every payment waits for the approvers your rules name, and larger amounts can need more of them.
Approval rules -
Know who you pay
Counterparties complete KYC or KYB through one portal link, and a wallet is verified before its first payment.
Counterparties -
Screened against sanctions lists
Counterparties are checked against OFAC and other sanctions lists. A wallet that matches can't be verified or paid.
Compliance -
On the record
Who created, approved and released each payment, and when, ready for your auditor.
Activity Log
Where you start
This is the setup onboarding picks for an international company that sends, receives or holds US dollars or stablecoins. Change any of it later.
Opening a Universal Account is a business verification. 1Money reviews every application, which takes at least a day, and it is not available in every country.
We picked what non-US companies usually start with
Your money
- See your money in one place
- Open a Universal Account Requires KYB
Moving money
- Pay and approve
- Move between wallets and bank accounts Requires KYB
Counterparties
Universal Accounts and conversion are provided by 1Money USA, Inc. Mezzanine is a Referral Partner of 1Money. Not available in every country.
