The Global Financial Super-App

All money deposited with us is held by our partner banks as client safeguarded funds. In Europe our funds are held by investment-grade, regulated banks. As these funds are subject to client safeguarding rules, they are not covered to bank deposit insurance; rather they are held in ring-fenced accounts that are not available for bank use. There is no limit to the amounts protected by client fund safeguarding rules.

In addition, we have theft and fraud insurance in place to protect these funds further. In the United States, funds are held by investment-grade, regulated banks and covered by the Federal Deposit Insurance Corporation (FDIC)’s insurance program. Our digital cash is a digital representation of fiat money held with our partner banks, on a one-to-one basis.

Digital cash held in Fluid Accounts is subject to the same protections as fiat money deposited with us. Digital cash that is moved to Web3 wallets under a user’s control is, of course, not protected the same as money held by our bank partners.

No. We offer only banking services in the jurisdictions in which we have partnerships. Residents in the European Union, Liechtenstein, Iceland, Norway and the United Kingdom can open bank accounts with us. We will soon offer banking services in the United States. We are working on other jurisdictions.

Fluid Accounts are the first digital cash account available globally, built for the digital age. Anyone can open a Fluid Account, except for residents of Restricted Countries (as listed in Annex 5 of the Terms).

You can send digital cash globally, for free (and it’s instant). You earn interest on your digital dollar deposits and you can spend digital cash on your Fluid Cards.

No, not at the moment. We expect to offer interest on our digital euros (DEUR), digital pounds (DGBP) and digital francs (DCHF) soon. Eventually, as we roll out up to 32 different currencies, we will offer interest on all of them.

Interest comes from our swap (exchange) operations. We use everyone’s digital cash to enable exchanges (e.g. USD to DUSD, DUSD to USD) and trading fees from our exchange infrastructure is the basis for paying interest.

Digital cash, for example digital dollars, is just as the name says: it’s a dollar, in digital form. It is a digital representation of fiat money held with our partner banks, on a one-to-one basis. So, digital cash is always worth the same as the traditional currency it represents. You can send digital cash to anyone around the world for free, instantly. You can spend it on your Fluid cards to buy things in the real world, like coffee or clothes. If you have a Traditional Bank Account with us, you can swap digital cash for money in a bank account. If you have a Fluid Account, you can sell digital cash to us in return for traditional currencies.

No. Our digital cash is a digital representation of fiat money held with our partner banks, on a one-to-one basis. It is not a separate entity, like a crypto currency or a stablecoin.

Yes. You can connect a Web3 wallet (like MetaMask) to both your Fluid Account and your Traditional Bank Account with Fluid! For the first time ever we have integrated these two worlds, traditional and digital, in one super-app.

Usually it is gone forever. However, we will do everything we can to help, so contact support if you have a problem.

Not necessarily, since it is a digital representation of money held with our banking partners. There are circumstances where we can recover your digital cash. Contact support if you have a problem.

There are three ways to get digital cash: – By opening a Fluid Account, where you essentially purchase digital cash from us – By swapping your traditional currencies for digital cash (e.g. from USD to DUSD) – By purchasing digital cash on-chain.

There are some similarities between the accounts: funds in both accounts are held with partner banks and have insurance in place, you can spend funds in both on your cards, etc. The biggest difference is that digital cash offers more advantages than old fashioned money. For example, you can send it around the world instantly and for free. We also can pay an interest rate on your digital cash, because it is tied to digital operations, which we don’t do for money held in Traditional Bank Accounts with us.

Yes, with a Traditional Bank Account you can access the traditional financial system. For example, you can only send Swift payments from a Traditional Bank Account, not from a Fluid Account.

Yes, you can only make digital payments from a Fluid Account, not a Traditional Bank Account.

To get Fluid cards, you have to hold Fluid tokens. You can buy Fluid tokens on-chain or in the app. You also need to provide your ID, so we can identify you to issue a card.

No, Fluid Finance is a financial technology company. We offer banking services through our impressive partners.

No, Fluid Finance is not regulated. We offer regulated services through our payment, e-money, and banking partners.

No, you can open a Fluid Account and use our digital cash without providing your ID. If you are a resident in one of the jurisdictions where we offer banking services, you can provide ID and open a Traditional Bank Account. If you want a Fluid card, you also need to provide ID, of course.

In the simplest way possible, using sophisticated technology! Identity Verification with us takes less than a minute. You scan your face with your phone, scan your ID and upload a proof of address. That’s it.