For freelancers, remote workers & businesses

Got USD stables?
Spend it anywhere.
Send it everywhere.

Free virtual card. 100+ currencies including PHP, THB, AED, AUD & more. No conversion fees.* Up and running in 10 minutes.

Get your free virtual card

Free to start · 100+ currencies · KYC in 10 min

*For USD payments. For KYC verification, processing times may vary and are subject to verification results.

What you can do with Elephants

3 ways

Spend with your card · Send to local banks · Hold in USD

💳

Spend

Free virtual card Spend USD anywhere for free

$0 FX or conversion fees on USD spending

Your USD stables are already spendable.

📤

Send

100+ currencies THB · PHP · AED · AUD + more

Transfer directly to local bank accounts abroad

Send on your terms, not your bank's.

🏦

Hold

USD stables No forced conversion

Move when you're ready — not when your bank decides

Your money, in USD, until you need it.

Who it's for

Earning in USD stables is easy.
Using them shouldn't be hard.

Your money is in your wallet — but spending or sending it takes extra steps. Elephants removes those steps.

💻

Freelancer / Remote worker

Get paid in USD stables. Spend directly with your free virtual card — no CEX, no conversion.

Already spendable.

🌏

Digital nomad / Multi-country

Hold in USD. Send to local banks in 100+ currencies whenever you need to.

100+ currencies. One account.

🏢

Small business / E-commerce

Pay overseas suppliers in their local currency — without routing through your home bank.

Pay vendors across 100+ countries.

The solution

One account. Three ways to use your USD.

Deposit USD stables. Spend with your free virtual card, send to local banks in 100+ currencies, or hold in USD — no forced conversion.

	CEX + Bank	🐘 elephants
Spend USD stables directly	No — convert first	Yes — free virtual card
Send to local banks	Limited currencies	100+ currencies
Hold USD without converting	No	Yes
Monthly fee	Varies	From $0
Rewards on spend	No	Ele Points → miles

All tiers

USD stable deposits free. Virtual card free. Physical card $35. Send fees vary by tier for fiat local currencies.

See pricing & tiers

No monthly fee · No minimum balance · Cancel any time

How it works

Up and running in 10 minutes

Create your account

Email, basic details, done. No paperwork. No branch visit.

Complete KYC

ID + selfie. Takes 5–8 minutes. Usually approved same-day. Processing times may vary and are subject to verification results.

Spend, send or hold

Virtual card, 100+ currencies, or hold in USD. Your call.

Trusted across Southeast Asia

200+

USD stable earners and businesses in Thailand, Philippines & Hong Kong

I was losing around $200 a month converting USD payments. Since switching to Elephants I've cut that to almost nothing.

Freelancer Consultant, Philippines

Our supplier payments used to cost us 2–3% every month. Now it's 0.15%. On our volume that's a real saving.

E-commerce business, Thailand

Common questions

Before you sign up

Is this a bank?

No — it's a treasury and spend platform. Keep your existing bank account and route international transfers through Elephants for the lower fee.

What currencies do you support?

Accepts USD, USDC and USDT. Send to 100+ currencies including THB, PHP, AED, AUD, EUR, GBP, HKD, CAD, MYR, NPR, KRW and more.

Where is Elephants available?

Southeast Asia, MENA, and Eastern Europe. The Elephants card works globally wherever Visa is accepted.

How long does KYC take?

5–8 minutes. You'll need a government-issued ID and a selfie. Approval is typically same-day. However, processing times may vary and are subject to verification results.

Get started today

Your USD stables.
Spend. Send. Hold.

Free virtual card. 100+ currencies. Up and running in 10 minutes.

Get my free virtual card →