Fluid Finance is a revolutionary new approach to banking, built for the digital age. We’ve integrated all the benefits of traditional banking with all the benefits of the digital world – within one app.
Designed to make your money work harder for you.
Open to anyone, globally. i
All banking services are offered via our partners. Fluid Finance is not a bank. Read more about how we work.
Fluid Accounts use our digital cash, which is simply real money in digital form. It can be used to purchase digital assets, exchanged for world currencies, or spent on your cards anywhere.
Everything you expect from a bank account. Including a multi-currency wallet and free personal debit cards.
Your money is protected as client safeguarded funds with our banking partners and covered by fraud and theft insurance through Lloyd's of London.
You can send money to recipients anywhere in the world. If the recipient doesn't have a Fluid Account, they will be prompted to create one.
Totally optional. You don't need to be a crypto person to get all of the benefits from your Fluid Account. You decide.
You are in control.
To be eligible, you must prove your identity and hold at least one Fluid token.
European Union
United Kingdom
Liechtenstein
Iceland
Norway
USA
Switzerland
Canada
Open Metamask
i
If you do not have Metamask, go to: https://metamask.io
Never reveal your private key!
Bridge ETH to Arbitrum
Go→to: https://bridge.arbitrum.io
Then bridge your ETH from layer 1 to layer 2.
Buy $FLUID
i
Go→to: SushiSwap
Enter the amount to swap, then validate your transaction and broadcast it to the network. If $FLUID tokens are not in your token list then add the contract address as a custom token. The $FLUID contract address is: 0x876ec6be52486eeec06bc06434f3e629d695c6ba.
Love Fluid?
Get your friends to sign up and you could win a Fluid Account containing $10,000 in our digital cash. Over $75,000 in prizes to be won.
Highlights:
Check out our leaderboard.
Embed a widget in your website.
Banking and digital assets seamlessly united in one super-app.
Make your money work harder for you.
The Fluid Account is bringing back interest to banking. We pay a target interest on all of your digital deposits.
How?
Well, we cut out the bank middleman, for one thing. And, all of the interest comes from trading fees from our on and off ramp operations.
Target interest
Target interest
Target interest
Target interest
The best on- and off-ramp for crypto.
Your Fluid Account and your Traditional Bank Account can be seamlessly integrated with crypto.
Just connect your Web3 wallet to your accounts and you can mint your own digital cash to chain.
Fluid is faster, cheaper and more convenient than any crypto exchange.
And safer.
Once you use Fluid, you'll never use an exchange again.
Read moreSpend traditional and digital cash on your cards.
Fluid's Wild Cards are the coolest cards in the world. They can be linked to our Traditional Bank Accounts and Fluid Accounts. Whether you want to buy coffee or collectibles, we've got you covered.
Cards linked to Traditional Bank Accounts are available to residents of the EEA, United Kingdom and United States.
Fluid Cards, linked to our Fluid Accounts for digital cash, are available to anyone. Globally. A whole new way to spend whatever currency you want.
Read moreSend money around the world as easily as a text message.
With Fluid, you can send money to anyone, globally, just by entering their email address, phone number or nickname.
And it's free.
And instant.
You'll never send money any other way again.
Read moreFluid is designed for safety first.
All money deposited with us is held by our partner banks. 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.
Want to control your own funds? Just connect your Web3 wallet to your account and hold your money yourself.
Read more
Fluid ‘makes it easy for people to have more control over their finances, ensuring that they can easily optimize profitability’. Read this article by FXStreet about the traditional and modern banking systems, and why Fluid is the answer.
Talking Fluid, and the future of finance, our CMO Jessica Walker will be speaking on the Sharing 3.0 DeFi panel today at 3pm in Geneva. RSVP here to attend.
Fluid Finance condemns the Russian government’s aggression against Ukraine, and we stand with all people that are suffering, fearing for their lives and face hardship and uncertainty: in Ukraine, in Russia and everywhere around the world.
Slava Ukraini!
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.
Yes, except for residents of Afghanistan, Iran, North Korea and Venezuela. Fluid Accounts are the first digital cash account available globally, an account built for the digital age.
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.
Any more questions?
Completely insured 
4.00% target interest 
Free, instant, global transfers 
Spend on your debit cards 
Available globally 
