One account.Zero borders.
The bank for freelancers who live everywhere. One balance in rubles, dollars and crypto. Free connectivity in 140+ countries. Nomad visas, filed for you.
Borderless in three steps.
Open in minutes
Sign up with a Russian or international ID. You get local and foreign accounts, a crypto wallet, and cards that work on Apple & Google Pay.
Hold money in anything
Rubles, dollars, euros, crypto — one balance. Top up however you earn; spend with one tap and we cover it from the right place automatically.
Live anywhere
Free eSIM in 140+ countries, nomad visas filed for you, flights and hotels on Letela, and a daily local briefing — all in one app.
One balance. Spend it as anything.
Hold rubles, dollars, euros and crypto in one account — with Russian and international cards. Tap any card, anywhere. If one balance runs short, the next one covers the difference automatically. The first border we erased.
One SIM. The whole planet.
The second border we erased. No more landing somewhere new and hunting for a SIM — your eSIM is already on. One profile, issued once, working everywhere.
We see your income. We find your visa.
Your incoming payments already tell us your average monthly income, so we match you to the nomad programs you actually qualify for — then file the whole application for you. A full visa and residence permit in about two weeks, valid up to 5 years, with a path to citizenship later.
96%- Residence permit
- Up to 5 years
- Path to citizenship
93%- Residence permit
- Renewable
- Family eligible
92%- Residence permit
- Up to 5 years
- Beckham tax law
89%- 1-year residency
- 0% income tax
- Banking access
81%- e-Residency
- Fast track
- EU access
79%- Up to 4 years
- Path to permanent
- USD friendly
Letela. Flights & hotels, handled.
Letela — our travel service, now living inside the app. Book flights and stays in seconds, pay in the currency that costs you least, and let lounges, insurance and concierge take care of themselves.
Auto-activates on every Letela trip. Medical, baggage, delays and cancellations — up to $1M.
1,500+ lounges, fast-track security, chauffeur pickups — included with Signature cards.
24/7 human help to rebook, refund and resolve — wherever you are in the world.
A daily briefing for where you live.
Every morning, a digest tuned to your country — and your money. Wake up in the US to a US brief, in Portugal to a Portuguese one. Two tracks: the world around you, and the finances that move your life.
Three things where you are: the spending bill cleared overnight, the dollar softened on cooler inflation — nudging your EUR up $312 — and your income now clears the bar for an Italian nomad visa.
Built like a central bank.
Your money and your identity live behind multiple layers of regulated, audited, redundant infrastructure — engineered for paranoia.
End-to-end encryption
AES-256 in transit and at rest. Per-user key vaults backed by HSMs in five regions.
Biometric authentication
Face & fingerprint with on-device secure enclave. Step-up auth on every high-risk action.
Instant fraud detection
Real-time ML monitors 220+ signals per transaction. Anomalies are blocked in under 80 ms.
Bank-grade infrastructure
Active-active across regions. 99.995% SLA. Funds held in segregated, ring-fenced accounts.
Global compliance
EMI, MSB, VARA, MAS licenses. SOC 2 Type II, ISO 27001, PCI DSS Level 1 certified.
Deposit protection
Eligible balances safeguarded with tier-1 partner banks across the US, EU, and APAC.
Pick a card. The rest is included.
No tiers of hidden fees — just how much of the world comes free. Connectivity scales with how much you bank with us.
- Virtual + physical card
- RUB · USD · EUR · crypto
- Apple & Google Pay
- eSIM data in 140+ countries
- Daily local news digest
- Everything in Standard
- Free calls + SMS + data eSIM
- Lower FX, higher limits
- 6 airport lounge passes / yr
- Priority nomad-visa review
- Everything in Edge
- Unlimited connectivity, free
- Unlimited lounges + concierge
- Fastest visa filing (~2 weeks)
- Dedicated relationship team
Built for people who live between places.
“I landed in Lisbon, my phone was already online, and two weeks later my D8 residence permit was approved. I didn't fill out a single form.”
“I get paid in rubles, dollars and USDT. I just tap my card — it figures out where the money comes from. In Dubai it works exactly like at home.”
“No more buying a SIM in every airport. One number, calls and data everywhere — and it's free because I keep my money in the app.”
Questions, answered.
Yes. You open both Russian and foreign accounts and issue cards that work worldwide — including Apple Pay and Google Pay. Top up in rubles, buy crypto, and spend anywhere with no extra steps.
Your whole financial life, in one app.
Banking, crypto, eSIM, visas, travel and your daily briefing — one login, one balance, one number. Built for iOS and Android.
- Open an account in under 5 minutes
- Real-time spend, FX and savings in one view
- Manage your eSIM, visa and trips from the same place
One ecosystem · One identity · Zero borders
The world was never designed for borderless people. We fixed that.
Be among the first to live without borders. Early members get founding pricing, the obsidian metal card, and direct access to our team.