Carry multiple currencies in one account

You can hold and manage six currencies in one place: USD, EUR, GBP, BRL, MXN, and COP, each as a native balance rather than a synthetic conversion calculated on the fly. That matters if you earn in one currency and spend in another, since you are not forced to convert everything into a single base currency just to hold it. Additional currencies are on the roadmap as Liminal expands its payment rails, so the set of six is expected to grow rather than staying fixed.

Yes. You can hold multiple currencies side by side within a single wallet, rather than needing a separate account, card, or app for each one the way you would with most traditional banks. Each currency balance sits independently, so receiving a payment in EUR does not automatically convert it into your USD balance unless you choose to convert it yourself. That is useful if you are paid in more than one currency, or want to hold savings in a stronger currency while spending day-to-day in a weaker local one.

Yes. You can convert between any of the supported currencies in seconds at real-time exchange rates, without waiting for a settlement window the way a traditional bank transfer between currency accounts often requires. The conversion happens directly inside the app, so you can move from, say, USD into MXN right before making a payment, rather than needing to plan the conversion a day in advance. Rates update continuously rather than being fixed once a day, so what you see reflects the current market.

Yes, but they are fully transparent: converting between currencies carries a flat 0.24% fee, with no hidden spread layered into a worse exchange rate the way many banks and card networks operate. You see the fee and the rate before you confirm a conversion, so there is no surprise once the money lands. That 0.24% applies regardless of which two supported currencies you are converting between, so there is no complicated fee table to work through depending on the specific pair.

Yes. You can use your wallet to pay locally via Pix, Brazil's instant payment system, just like a local Brazilian account would, without needing a Brazilian bank account or phone number to set it up. That works because Pix draws directly against your multi-currency balance, converting behind the scenes if you are holding a different currency than BRL. It is the clearest example of what holding multiple currencies is actually for: spending like a local wherever you are.