State-of-the-art
Nobody can
freeze it
Your balance lives in a wallet only you hold the keys to. Not us. Not them.
Spend rich.
Send richer.
Up to 3% back every time you tap. 1% every time you send. Lands in under a minute, in 237 countries — and the bank never touches it.
Up to 3% back · Under a minute · 237 countries
Get Early Access
Earn as
you spend
Every swipe pays you up to 3% back,
anywhere the card is accepted
3%Back on card spend
1%Back on every send
<60sTypical arrival
237Countries
001 / 005 — Why people switch
Everything they
Everything they
charge for, free
Nobody can
Any wallet
Bank account
Gone in
sixty seconds
Straight into a bank account or mobile wallet. Not “3–5 business days”.
Up to 3% back
VIXO
VISA
Up to 3%
every tap
Paid in cash, not points. Hits your balance and it is yours to spend immediately.
002 / 005 — Rewards
Paid on the way out.
Paid on the way out.
Paid on the way in.
Every card rewards spending. Nobody rewards sending — the one thing our people do most. So we do both.
Basic
1%
Back on every card purchase. Free virtual card, no monthly fee.
Standard
2%
Back on card spend, plus free ATM withdrawals every month.
Premium
3%
Our highest rate, metal card, every ATM withdrawal free.
And 1% back on every transfer you send — on every tier, including free.
Status climbs as you earn — it never resets
BronzeDay one
Silver$20 earned
Gold$50 earned
Platinum$100 earned
Cashback is paid in cash, not points, and is spendable as soon as it posts. Card rates depend on your card tier. Rates and tiers shown are the launch programme and may change before general availability.
003 / 005 — How it works
Three moves.
Three moves.
Anywhere on earth.
No branch. No paperwork. No waiting three days to find out it bounced.
STEP 01
Hold
Your balance lives in a wallet only you control. We never take custody, and we can never freeze it.
STEP 02
Send
Pick a country, see the exact fee before you confirm, and send. Most transfers settle in under a minute.
STEP 03
Spend
Cash out to a local bank or mobile wallet — or spend directly with the card, anywhere it's accepted.
004 / 005 — For business
Payroll in one
Payroll in one
shot.
Contractors in four countries, one payment. Money that lands the same minute instead of the same week.
One payment, many people
Send to up to 10 recipients across different countries and currencies in a single transaction — instead of ten separate transfers with ten separate charges.
Splitting is never punished
A split payment can never cost more than sending each leg on its own. That is a guarantee proven in our test suite, and every quote shows you what the split saved.
Straight onto local rails
Your people get paid into the account they already use — M-Pesa, PIX, UPI, SPEI, InstaPay, mobile money or a bank account.
Nothing hidden from you
Every corridor price and every country we reach is a public API, not a quote you have to ask a salesperson for.
Split payments are capped at 10 recipients and $10,000 per transaction while we are in early access.
005 / 005 — Get started
Get in early
The list is open. No fee to look, no card required, no bank asking why.