Digital Cash Account

An account built for the digital age

 

Get started with the easiest account in the world. FOR FREE

  • Wherever you live in the world all you need is an email address to open your Fluid account.
  • This gives you instant access to the fastest, cheapest and safest way to manage your money.
  • Your digital money is held in our secure custodial accounts, always verifiable 24/7 on-chain.
  • Want to manage it yourself? Just transfer to your own Web3 wallet.
  • FREE INSTANT global payments.

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In development: buy digital assets, earn on your savings, invest in tokenized securities, borrow against your holdings, and lots of other great stuff. Follow our roadmap here.

Connect to your account via the web app and mobile app.

Available now: Globally

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Here’s how the account works

  1. Sign up using your email address.
  2. We create an account in your name.
  3. You access your account via the web app and mobile app (in development).
  4. You can top up this account by purchasing our digital cash (essentially v2.0 stablecoins). *
  5. Stablecoins can be purchased in the apps, by bank transfer (card purchases in development).
  6. When the transfer is received, the stablecoins are credited to your account.
  7. You now have the world’s first digital cash account!
* Currently available: USD, EUR, GBP, CHF.
Read more about our 1:1 backed, fully transparent stablecoins here: https://medium.com/@fluid_fi.

The Digital Cash Account and the stablecoins are ideal for:

  • Investing in digital assets.
  • Yield farming in DeFi.
  • Exploring the metaverse.
  • Gaming.
  • Buying NFTs.
  • and more ….

Check out our videos about how to use your Digital Cash Account, for everything from buying coffee to collectables!

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Here’s how the cards work with the account

You can order cards from within the apps (being rolled out to selected jurisdictions). The types of cards that are available depend on your country of residence, although all cards function globally on the Mastercard or Visa networks.

To get a card, you will be prompted to undergo a simple KYC process that takes less than a minute. This will allow you also to get a Traditional Bank Account, with an IBAN number or other account identifier. There is no need for you to use this traditional account; you can simply use your Digital Cash Account with the cards.

You have the choice of virtual or physical cards.

When you spend digital cash on your card we simply deduct the amount from your balance. It’s that simple.

See Debit cards for more details, including:

  • Tiers
  • Rewards
  • Costs
  • Terms & conditions

Here’s how payments work with the account

Fluid users

  • You can make payments to anyone, anywhere in the world, that has a Fluid Account.
  • Instantaneously.
  • And for FREE.

On-chain payments

  • You can also make payments in our digital cash to anyone who has a blockchain address.
  • Almost instantaneously.
  • And at very low cost, depending on the chain.
  • See transaction timing and costs in the apps.

Traditional banking payments

You can also make payments using the traditional banking system.

To do this, you will be prompted to undergo a simple KYC process that takes less than a minute. This will allow you also to get a Traditional Bank Account, with an IBAN number or other account identifier. There is no need for you to use this traditional account for digital payments; you can simply use your Digital Cash Account for this.

We support SWIFT and local payments in more than 180 countries, from your Digital Cash Account (being rolled out, depending on your jurisdiction).

  • Swift,
  • Fedwire,
  • ACH,
  • SEPA,
  • Faster Payments,
  • EFT (Canada),
  • AusPayNet,
  • CHATS (Hong Kong),
  • IMPS (India),
  • NEFT (India),
  • SKN (Indonesia),
  • RIX (Sweden),
  • FAST (Singapore),
  • IBG (Malaysia),
  • NICS (Norway).

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To connect your Digital Cash Account to your Web3 wallet (if you want to and if you have one), just follow these steps

  1. Log in to the web app.
  2. Connect your Web3 wallet (make sure you are on the Arbitrum network).
  3. That’s it. You now have the world’s first digital cash account connected to your Web3 wallet.

Note: you do not need to connect a Web3 wallet to use Fluid Finance. It is an option for you, if you want to hold your own digital assets.

Check out our videos here showing how easy it is to connect to crypto.

Want to know what real people think about Fluid accounts?

Fluid isn’t really a company. It is more of a movement.
We are built by our community, driven by what our community wants.
Many in our core team first started as investors and were active in the community before leaving their boring other jobs to join us.

There are thousands of people from all over the world working on building a better banking model.

You can read what they think about Fluid accounts, how they work, what could be improved, and what features we should build in the future. Check out their raw feedback:

Check out their raw feedback

Want to ask unfiltered questions directly to our community and connect with other users?
You can join us here: Telegram and Discord

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