Building the app now
Your money should work anywhere you do.
Andy is being built as one place to send, hold, and spend across borders, moving money on whichever rail suits that route — bank, mobile wallet, or digital. Andy isn't locked to one set of rails.
From the app we're building. Both numbers belong on this screen, before you send. We're not live yet, so there's nothing honest to put in them.
Money that only works in one place isn't much use.
Sending it somewhere else is slow and expensive. Holding it means holding it where you are. Spending it abroad often means being told no. For a business, paying a supplier in another country can take a week, and the real cost only shows up afterwards.
Andy is being built to take those limits off, one at a time, starting with sending.
Four things, in this order.
All of it starts in the mobile app. No dates, because we won't promise one we can't keep.
Send money
Up firstGetting money to someone in another country takes too long, and too many hands take a cut on the way.
Send from your phone. It arrives in local currency, on whichever rail suits that route — bank, mobile wallet, or digital — and you see the rate and the fee before you confirm.
Digital dollar balance
LaterValue you hold sits in one country's system, on that system's terms.
Hold a digital dollar balance. Keep it, send it, or spend it whenever you want to.
A digital dollar tracks the US dollar. It is not a dollar held at a bank, it is not a bank deposit, and it is not insured.
Card
LaterPlenty of cards stop working the moment you buy from another country, which shuts people out of markets they can afford to buy from.
A card that spends your balance, so more of the global market is open to you.
Not a bank account, not insured.
Business payments
LaterPaying a supplier abroad takes days, the true cost only appears afterwards, and nobody can say where the money is meanwhile.
Pay suppliers, settle invoices abroad, and get paid by customers overseas. The bills that move goods, on the same rails.
Everything beyond sending is subject to eligibility, availability and regulatory approval.
Built by people who've been on the other end of a transfer.
Andy was founded by immigrants. We've made the call home explaining why less arrived than we'd promised, and we've spent our careers building the systems that move money into these markets.