EURGBPPKRUSD
01
Get paid from abroad
Employers and clients pay in the currency they use. It arrives in your account as US dollars.
ALIF — US dollar account
A US dollar accountthat works across borders.
Get paid from abroad, keep one balance in US dollars, pay people in their own currency and spend with an ALIF card. It settles on stablecoins underneath; what you see is dollars.
Receive · Hold · Send · Spend
01Why it matters
Getting paid across bordersstill takes five tools.
People are paid from abroad and companies sell into markets where they have no office. Most accounts still assume one country, so everyone stitches together the rest.
The usual stack
- 01A local bankHolds the balance. Stops at the border.
- 02A payment platformTakes money in. Rarely holds it.
- 03An FX providerConverts on its own schedule and spread.
- 04A cardSpends, usually in one currency.
- 05A spreadsheetWhere the whole picture actually lives.
None of them gives you one balance to see, spend and pay from.
02The account
From paid to spent,in three steps.
One balance in US dollars: get paid from abroad, hold it, then send or spend it. Shown on the demo’s sample data.
EURGBPPKR
Total balanceSample data
$50,345.87
Paid in euros+$1,250.00
Paid in pounds+$1,550.00
02
Hold one balance
One balance, in US dollars. Nothing to move between accounts before you pay.
Sarah Chen receives€800.00
You send$937.39
FeeShown first
✓ Confirm & sendEdit
03
Send or spend
You see what they receive, the rate and the fee before you confirm, or pay with an ALIF card.
03Personal
For people whose livesdon’t fit inside one country.
Paid from abroad, spending where you live or travel, and saving in US dollars.
- Remote employees paid from abroad
- Freelancers and contractors with clients in several countries
- International students and frequent travellers
04Business
For businessesthat operate globally.
Revenue in and payments out, in the currencies customers and suppliers use, from one US dollar balance.
- 01
Collect revenue
From customers and platforms in other markets.
- 02
Pay people and suppliers
Staff, contractors and vendors, each in their own currency.
- 03
Hold one balance
In US dollars, whatever currency revenue arrives in.
- 04
Approve and control
A second approval for large payments, and cards with limits for the team.
ALIF Business
05Cards
Two cards.One dollar balance behind them.
Pay in the merchant’s currency anywhere the card is accepted. It is converted from your dollar balance at the moment you pay.
06How it works
Stablecoin settlement,kept out of sight.
ALIF settles in USDT, a US dollar stablecoin, which moves between countries without waiting on correspondent banks. It is plumbing: for everyday payments you see dollars, not wallets, networks or addresses.
- Dollars on top
- Your balance is in US dollars. The stablecoin it settles in never shows up as a separate balance.
- Settlement every day
- Stablecoin settlement doesn't stop for weekends. Local bank payouts follow each bank's own hours.
- Licensed partners
- Regulated services, such as cards and local payouts, will be provided through appropriately licensed partners.
- New YorkUTC−5
- LondonUTC+0
- DubaiUTC+4
- KarachiUTC+5
- SingaporeUTC+8
Joinearly access.
Questions
What is ALIF?
A US dollar account for people and businesses that earn, pay and spend across borders. Money can come in and go out in other currencies; the balance is always in dollars.
Is it available?
Not yet. ALIF is in development, and launch markets and dates will be announced.
Is it a bank?
No. ALIF is a financial technology company. Regulated services, such as cards and local payouts, will be provided through appropriately licensed partners.
What will it cost?
Pricing will be published before launch. Every payment shows its rate and fee before you confirm it.
What does joining do?
You’ll get emails about the product and its availability. It isn’t an account or a reserved place, and your address is used only to contact you about ALIF.