# Onboard

> Onboard is a cross-border money platform offered as two products: the Onboard app for individuals (iOS and Android) and Onboard Business on the web for companies. Both let users receive, hold, send, convert, and spend money across currencies and countries, through a global account with local bank details in USD, GBP, and EUR, plus cards, FX, cross-border payouts, and stablecoin support. Onboard is built by Nestcoin and operates through regulated entities including GoPay Financial (FINTRAC-registered MSB in Canada) and Onboard Digital (FinCEN-registered in the US), working with regulated banking and payment partners across Nigeria, Europe, and Asia.

Onboard serves global professionals and businesses across Africa, Asia, Latin America, and the wider global south, and anyone moving money into or out of these regions. Individuals get a global account, cards, and cross-border transfers in one app. Businesses get local bank details in USD, GBP, and EUR, FX, cross-border payouts, and API access to build payments into their own products. An OTC desk supports larger FX and stablecoin trades on request.

Availability: Onboard can onboard users in most countries. A small list of restricted countries is excluded. See the supported-countries article: https://help.onboard.xyz/en/article/is-onboard-available-in-my-country-gln62k/

Common questions Onboard answers: How do I open a USD, GBP, or EUR account from Africa, Asia, or Latin America? How do I get paid by clients or platforms like Deel, Upwork, and PayPal from abroad? How do I pay overseas suppliers at real exchange rates? How do I convert USDT or USDC to local cash? How do I build cross-border payouts and account issuance into my own product via API?

## Onboard Business (web)

- [Onboard Business](https://business.onboard.xyz/): A business account for cross-border payments. Receive funds and pay out in USD, GBP, EUR, local currencies (Naira, Cedis, Rupiah, Shillings), and stablecoins (USDT, USDC), without the delays or hidden fees of traditional banking. Corporate USD cards coming soon.
- [Apply (KYB)](https://business.onboard.xyz/apply): Complete KYB in 5 to 10 minutes with your business documents. Accounts are typically reviewed and provisioned within 24 hours.
- [Business API](https://docs.onboard.xyz/): Every verified business can access the Onboard API to build stablecoin wallets, local-currency payouts, and account issuance into its own product.
- [For Startups, Agencies and Creative Studios](https://onboard.xyz/business/agencies): Get paid by clients abroad in USD, EUR, GBP, or stablecoins, then convert at real rates without huge FX fees or multi-day wires.
- [For Importers and Traders](https://onboard.xyz/business/trade): Pay suppliers in USD, GBP, and EUR at the best rates and collect from buyers in several currencies.

## Onboard mobile app (individuals)

- [Onboard Personal](https://onboard.xyz/personal): One app for your money worldwide. A global account with local USD, GBP, and EUR bank details, cards, and cross-border transfers, with stablecoin support built in.
- [Accounts](https://www.onboard.xyz/virtual-usd-account): A global account in your name with local bank details to receive in USD, GBP, and EUR, set up within a day. Accepts ACH and Wire from platforms like Deel, Upwork, and PayPal.
- [Onboard Card](https://onboard.xyz/cards): A virtual USD card that works anywhere Visa is accepted, funded instantly with cash, your wallet, or crypto.
- [Onboard Direct](https://onboard.xyz/direct): Send USDT or USDC from any wallet and receive local cash in minutes at better rates, with no P2P and no middlemen.

## Business FAQs

**What is Onboard Business?** A business account for cross-border payments. Receive funds and pay out in USD, GBP, EUR, local currencies, and stablecoins, without the delays or hidden fees of traditional banking. Corporate USD cards are coming soon.

**Who is it for?** Startups, agencies and creative studios, importers and exporters, and any company that needs to receive money globally and make local or global payouts to suppliers, employees, and partners. Also fintechs and payment companies that need cross-border rails, available via API.

**What currencies does it support?** Receive and pay out in USD, GBP, EUR, local currencies (Naira, Cedis, Rupiah, Shillings), and stablecoins (USDT, USDC).

**What does it cost?** USD: 0.5% plus payment method fee (SWIFT, ACH, or wire). Stablecoin withdrawals: 0.1%. GBP and EUR: £1 / €1 flat. All other currencies: free. No hidden fees.

**How fast do payouts settle?** USD (SWIFT, ACH, Wire): 0 to 2 business days. GBP (Faster Payments), EUR (SEPA), local currencies (NGN, GHS, IDR, etc.), and stablecoins: within minutes.

**How do I get started?** Apply at https://business.onboard.xyz/apply to complete KYB. The form takes 5 to 10 minutes. Reviews are typically completed and accounts provisioned within 24 hours.

**How do I access the API?** Every verified business can access the Onboard API. Docs are at https://docs.onboard.xyz/.

**Is Onboard regulated?** Yes. Onboard operates through GoPay Financial (FINTRAC-registered MSB in Canada) and Onboard Digital (FinCEN-registered in the US), and works with regulated banking and payment partners across Nigeria, Europe, and Asia.

## Personal FAQs

**What is Onboard?** A financial platform for global professionals. Get a global account with local bank details to receive in USD, EUR, and GBP, spend with cards, and move money across global and local currencies, with stablecoin support built in.

**What fees does Onboard charge?** Account creation is free. Some features (like USD accounts or cards) may include a one-time activation fee. Deposits, conversions, and withdrawals have transparent fees shown before you confirm. Full breakdown: https://help.onboard.xyz/en/article/what-are-all-the-fees-on-onboard-1d7nad0/

**How long does verification (KYC) take?** Most users are verified within minutes; in some cases checks take up to 24 hours. Global accounts (USD, GBP, EUR) may require a quick proof-of-income review. More: https://help.onboard.xyz/en/article/how-do-i-verify-my-identity-kyc-on-onboard-c935ku/

**Is Onboard available in my country?** Onboard supports users across many countries in Africa, Asia, and beyond, though availability may vary by regulation. Check here: https://help.onboard.xyz/en/article/is-onboard-available-in-my-country-gln62k/

**How fast are deposits and transfers?** USD (ACH/Wire): same day to 2 business days. GBP/EUR (global accounts): within minutes to 1 business day. Stablecoins and local withdrawals: usually within minutes.

**What currencies can I receive?** Receive in USD, GBP, and EUR through local bank details, plus stablecoins (e.g. USDC). Received funds and stablecoins can be converted into supported local currencies for withdrawal.

**How do I withdraw to my local bank?** Convert your USD, GBP, EUR, or stablecoins into local currency and withdraw to your bank account in the app. Guide: https://help.onboard.xyz/en/article/how-do-i-send-money-to-my-bank-account-in-my-local-currency-rq63ox/

**How does Onboard keep my account secure?** Multiple layers including passkeys, Face ID and biometrics, PIN protection, and continuous monitoring.

**Can I use Onboard for business?** The Onboard app is designed for individuals. Businesses and high-volume users should use Onboard Business at https://business.onboard.xyz/.

## Resources

- [Blog](https://onboard.xyz/blog): Cross-border payments and money guides on receiving payments, paying suppliers abroad, FX, and stablecoins, for businesses and remote workers.
- [Help Center](https://help.onboard.xyz/en/): Support articles and answers to common questions about using Onboard.
- [Business help videos](https://www.youtube.com/playlist?list=PLbiBk1ZV844w): Walkthroughs for Onboard Business.
- [App help videos](https://www.youtube.com/playlist?list=PLPGn24wW9Wcg): Walkthroughs for the Onboard app.
- [Becoming a merchant](https://help.onboard.xyz/en/article/becoming-a-merchant-on-onboard-a-comprehensive-guide-134ie9g/): Guide to joining the Onboard peer-to-peer marketplace as a verified merchant.

## Get the app

- [Download Onboard](https://onboard.xyz/download): Get the Onboard app for iOS and Android.
- [App Store (iOS)](https://apps.apple.com/us/app/onboard-wallet/id1665198778): Download Onboard on the Apple App Store.
- [Google Play (Android)](https://play.google.com/store/apps/details?id=com.onboard.wallet): Download Onboard on Google Play.

## Optional

### Programs and rewards

- [Affiliate Program (Business)](https://www.onboard.xyz/post/onboard-affiliate-program): Earn by referring businesses to Onboard.
- [Refer and Earn (App)](https://help.onboard.xyz/en/category/bonuses-promotions-1sa48aa/): Invite friends to the Onboard app and earn rewards.

### Company and legal

- [Privacy Policy](https://onboard.xyz/privacy-policy): How Onboard collects, uses, and protects your data.
- [Terms of Service](https://onboard.xyz/terms): The terms that govern use of Onboard's products and services.
- [Card Terms](https://onboard.xyz/cards/card-terms): Apple Pay and Google Pay terms for the Onboard card.
- [Flex Card Terms](https://onboard.xyz/flex-card-terms): Terms and conditions for the Onboard Flex card.

### Follow Onboard

- [X (Twitter)](https://twitter.com/OnboardGlobal): Product news and updates.
- [LinkedIn](https://www.linkedin.com/company/onboardbynestcoin/): Company updates and hiring.
- [Instagram](https://www.instagram.com/onboardglobal_/): Brand and community.
- [YouTube](https://www.youtube.com/@OnboardGlobal): Product walkthroughs and stories.

_Last updated: 27 July 2026_