Savings · USD
Hold and grow your money in USD
Earn up to 5-10% APY on USD savings, wherever you live. Make money borderless. No local bank account. No tax number. Just ID verification.
A USD account that actually works globally
Built for people who live across borders.
- Hold your balance in USD
- Earn 5-10% yield on idle cash with our instant-access savings pot
- Move money across currencies when you need to
Your money shouldn’t have borders. Neither should you.
How does 5-10% compare?
For instant access savings:
| Liminal | Wise | Revolut | Robinhood | HSBC |
|---|---|---|---|---|
| 5-10% | 3.42% | 3–4% | 3.35% | 1.15% |
This is borderless money.
Most savings accounts are designed for local markets. This one isn’t.
Get started in minutes
No local setup required
- 01Sign up
- 02Verify
- 03Start earning
Residential address · Government-issued ID · Employment information · Photo of your ID document · Quick verification
How the yield works
Your money doesn’t sit still
Your USD is put to work in lending markets, earning yield from real borrowing demand.
- Dynamic rates, driven by supply and demand
- Funds remain liquid and accessible
- Managed automatically in the background
Your wealth, guided by intelligence.
Move and spend instantly
From USD to real life, instantly.
Spend anywhere. Convert your USD to BRL when you need it.
- Real-time exchange rates
- Transparent fee from 0.15% on US, UK and EU transfers
- No hidden spreads
Take control of your finances.
Start earning on your USD today.
Instant access. No lock-ins.
FAQ
Everything you
need to know.
Your USD (held as USDC) is put to work in lending markets, where borrowers pay to access liquidity. That interest is passed back to you as yield. Rates adjust dynamically based on supply and demand, while your funds remain liquid and accessible.
The yield adjusts based on supply and demand. When borrowing demand is high or available funds are limited, rates increase. When demand falls or more funds are supplied, rates decrease.
Yes. The savings pot is designed for instant access without long lock-in periods.
Liminal is transparent about fees, with no hidden spreads. See our Transfers Page for details.
Most traditional accounts are local and offer lower rates. Liminal is designed for global use.
Yes. Each user gets a self-custodial Safe smart wallet, with keys managed through Privy. Only you can move your funds. Balances are stored in USDC, a fully backed stablecoin pegged to the US dollar and issued by Circle. Funds are never pooled, re-lent, or accessed without your explicit consent. Even if Liminal were to cease operations, you would retain full, independent access to your funds.