English 
Your dollar and euro account, from Colombia.
US and EU account details in your name. Receive dollars from abroad, keep them under your control, and withdraw in pesos to your bank or wallet — from Colombia.
Pollar
DeFindex
Pollar
DeFindex
Pollar
DeFindex
Your own ACH details.
Getting paid from the US shouldn't mean FX paperwork, bank spreads, and days of waiting.
A US account and routing number, assigned exclusively to you. American clients and platforms pay you like a local — and what they send arrives in your app as digital dollars.
Share these — clients pay like any US vendor
Nothing new on the client's side
Lands in the app — under her control
Your own EU IBAN.
Getting paid from Europe shouldn't be slow, layered with fees, and complicated.
A European IBAN, assigned exclusively to you. European clients and platforms pay you like a local — and what they send arrives in your app as digital euros.
Share these — clients pay like any EU vendor
Nothing new on the client's side
Lands in the app — under her control
Self-custody by default.
Saving in dollars from Colombia shouldn't require an account abroad.
Funds stay in your wallet, outside our systems. Only you can move them — set up recovery when you sign up.
HedgePay is the window, not the vault — your balance sits with you, not with us. Access is granted by you.
Continue with Google
Continue with AppleThe wallet is self-custodial — only you control the keys. No seed phrases, nothing to write down.
Yield, when you choose.
Saving in dollars shouldn't mean choosing between near-zero rates and locked funds.
Allocate digital dollars to open DeFi markets, on-chain and under your custody. The rate is variable and shown live. No lock-ups — withdraw back to your balance anytime. Nothing moves unless you move it.
Variable rate. Yield depends on market conditions and is not guaranteed.
Spend, anywhere.
Spending shouldn't depend on where your money lives.
Withdraw in pesos with a Bre-B key.
BRE-B · COLOMBIAConverting to pesos shouldn't be a negotiation.
Convert digital dollars to pesos at the rate you see before you confirm — no hidden margins. Withdraw to your bank account or wallet with your Bre-B key, in seconds. Convert only what you need; the rest stays in dollars.
Arrives at any bank or wallet in Colombia via Bre-B.
Virtual debit card
SOONPaying online shouldn't depend on where your card was issued.
Spend digital dollars directly, anywhere cards are accepted.*
*Anywhere Visa or Mastercard are accepted.
Pay like a local, across Latin America.
The payment systems people actually use — connected to your digital dollars.
Pay in local currency at the rate you see before you confirm — no hidden margins. In Colombia, via Bre-B; across the rest of Latin America, through each country's local systems.
Mexico 
El Salvador 
Colombia 
Brazil Pix 
Bolivia 
Argentina Transferencias 3.0 Mexico SOON El Salvador PLANNED Colombia PLANNED Brazil LIVE Bolivia SOON Argentina SOON Run a business in Colombia? See HedgePay for businesses in Colombia.
How it works
- 01Create your accountSign up with your email. Your wallet is self-custodial — only you control the keys.
- 02Receive dollars or eurosShare your US or EU account details — payments arrive as digital dollars or euros.
- 03Hold, convert, or growKeep it in your wallet, convert it, or allocate to yield — your call.
- 04Send or spendSend to other users in seconds. Spend with the card — soon.
FAQ
What is HedgePay?
An app for receiving, holding, and moving digital dollars and euros, with US and EU account details in your name. Under the hood, digital dollars are stablecoins — tokens that hold a one-to-one dollar value. They sit in a self-custodial wallet on the Stellar network — only you control the keys.
Who is it for?
- Freelancers with US or EU clients who want to be paid like a local.
- Traders withdrawing from US and other international platforms.
- Families receiving support from abroad.
- Anyone who keeps their money in dollars or euros and pays for local life in their own currency.
- Anyone who wants variable yield on idle dollars from open DeFi markets, under their own custody.
What does self-custody mean here?
Your funds sit in a self-custodial wallet — only you control the keys. Your money lives in your wallet, not in our systems — only you can move it.
What happens if I lose access?
Only you can access your account — HedgePay cannot restore it for you. Recovery setup is required when you sign up; it is the way back in if you lose your device.
How do I send money to another user?
Send to any HedgePay user directly from the app. Settlement in seconds.
How do I fund my account?
- From abroad: share your US or EU account details. Clients, platforms, or family transfer to them like locals — it arrives in your wallet as digital dollars or euros, in seconds.
- From pesos: add money by transfer from your bank or wallet and convert to digital dollars at the rate you see before you confirm.
- From stablecoins: send digital dollars from any wallet or exchange straight to your address — they arrive in seconds.
Can I open a dollar account from Colombia?
Yes, from Bogotá, Medellín, Cali, Barranquilla or anywhere in Colombia. You sign up with your email and get a self-custodial wallet — only you control the keys. US and EU account details are enabled once verification is complete.
How do I get paid from Upwork, Deel, Payoneer or a client abroad from Colombia?
You share your US or EU account details like any local vendor. The payment lands in your app as digital dollars, in seconds — no FX intermediary until you decide to convert.
How do I receive dollars from abroad in Colombia?
You share your US or EU account details. They arrive in your app as digital dollars, in seconds, and stay in your wallet until you decide to convert.
How do I withdraw to my bank or wallet in Colombia?
You convert to pesos at the rate you see before you confirm and withdraw with your Bre-B key to any bank or wallet. The fee, if any, is shown before you confirm.
How do I move money out?
- To a bank account or wallet: convert to pesos and withdraw with your Bre-B key — or send to a US or EU account. Always at the rate you see before you confirm.
- To another HedgePay user: instant, in seconds.
- To another wallet: send stablecoins to any external wallet or exchange.
- To spend: directly with the card, once it arrives.
No lock-ups — your money moves when you decide.
What does HedgePay cost?
Opening and holding an account: free. No monthly fees, no minimums. Where a fee applies — converting to pesos, withdrawing to a bank or wallet in Colombia — it is shown in the app before you confirm, and kept low. What you see is what you pay.
How long do transfers take?
Between HedgePay users: seconds. Incoming ACH: the sender's bank sets the pace, usually 1–3 business days; SEPA usually same day. Withdrawals to local rails: shown in the app before you confirm.
Where is HedgePay available?
In Colombia, and across Latin America. US and EU account details work wherever you are.
What do I need to open an account?
An email address. Sign-up creates your self-custodial wallet — only you control the keys — in under a minute. Verification comes afterward: the app shows what's missing, and receiving to your US or EU details opens once it's complete.
Global access. Local control.
Dollars and euros that arrive like local payments, stay in your wallet, and are withdrawn in pesos when you decide — from Colombia.