Send, hold, and spend money across borders.

wallets.

Multi-currency wallets

Hold working balances in one place. Fund supported balances through bank transfer and manage outbound payments from one account.

• Receive bank transfers — Receive bank transfers with clear account details and full balance visibility.
• Coverage that grows — Funding and payout options grow as we enable additional methods by market and route.
• Real-time balances — No hidden holds. What you see is what you can spend, send, or convert.

transfers.

International transfers

Send euros to Mobile Money in West Africa, to bank accounts in the UAE, and across Europe — with the final amount shown before you confirm.

• Recipient amount up front — We show the exact amount the recipient will receive, in their currency, before you confirm.
• Same-day Mobile Money — Transfers to Orange Money, MTN MoMo, and other licensed Mobile Money wallets usually arrive in minutes.
• Real exchange rate — The real rate plus a small, transparent margin. The full breakdown is visible before you tap.

cards.

Virtual and physical cards

Get a virtual Visa card the moment you sign up, and a physical card at your door in 7-10 business days. Freeze it any time.

• Virtual card, issued instantly — Add to Apple Pay or Google Pay the moment you sign up. Free, no paperwork.
• Freeze and unfreeze — Lost your card? Freeze it from any device, and we block new charges in seconds.
• Spending controls — Set daily, monthly, or per-transaction limits. Restrict by country or merchant.

gold.

Gold and silver

Buy and sell real, fully-backed physical gold and silver stored in vaults in Geneva and Dubai. Start from €1.

• Real metal, real vaults — Allocated physical gold and silver in Geneva and Dubai. Every gram is yours.
• Buy and sell in seconds — Live spot pricing with a transparent margin. Convert back to wallet any time.
• Insured custody included — Vault insurance covers the full value of your holdings, with no extra fee for the first year.

crypto.

Cryptocurrency trading

Buy and sell Bitcoin, Ethereum, and other major coins through a licensed partner. Your crypto is held separately, and you can sell back to your wallet any time.

• Regulated custody — Held by a licensed digital-asset partner in segregated wallets. Insured and auditable.
• Sell back to your wallet — Convert any holding to euro, dirham, or any other wallet currency in seconds.
• Transparent fees — See the full fee in the app.

exchange.

Currency exchange

Convert between any two of your wallets at the real rate, with the margin shown before you confirm. Conversions happen in seconds.

• Real rates — We pull live rates from trusted providers. The price you see is the price the market is quoting.
• Margin shown up front — We display our margin before you confirm. No spread, no hidden fees, no last-minute surprises.
• All wallet pairs — Convert between any two wallets you hold. EUR to AED, XOF to USD, anything in between.

security.

Security and protection

Your money is held separately from ours, at licensed banks. Every transfer is verified by you. Every connection is encrypted.

• Held separately — Your balance is held separately at licensed banks — never mixed with our operating funds.
• Two-factor authentication — Every transfer needs a code from your phone. On mobile, use your fingerprint or face.
• Audited yearly — Our systems and processes are reviewed by an external security firm every year.

coming soon.

Investment strategies

Long-term investment strategies, for when BLUE account holders want to put money to work. Available in 2027.

coming soon.

Long-term storage

Hold balances in multiple currencies for the long term. Available in 2027.