English 
Your dollar and euro account, from El Salvador.
US and EU account details in your name. Receive dollars from abroad, keep them under your control, and withdraw to your bank in El Salvador — no currency exchange, no remittance fee.
Pollar
DeFindex
Pollar
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Your own ACH details.
Receiving dollars from the US shouldn't cost a remittance fee and days of waiting — in a country that already uses dollars.
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.
Holding dollars in El Salvador shouldn't mean asking permission to use them.
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 to your bank, in dollars, in seconds.
TRANSFER365 · EL SALVADORMoving your dollars to your bank shouldn't involve an exchange rate or a wait.
Withdraw digital dollars to your account at any bank in El Salvador via Transfer365 — dollar for dollar, no conversion. The fee, if any, is shown before you confirm. Withdraw only what you need; the rest stays in your wallet.
Arrives at any bank in El Salvador via Transfer365.
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 El Salvador, via Transfer365 with no conversion; 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 El Salvador? See HedgePay for businesses in El Salvador.
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. Digital-asset services in El Salvador are provided through providers registered with the CNAD.
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 your bank in El Salvador: add dollars by transfer — no conversion.
- 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 El Salvador?
Yes, from San Salvador, Santa Ana, San Miguel or anywhere in El Salvador. 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 receive remittances from my family in the US?
Your family transfers to your US account details like any local account — by ACH, from their bank. It lands in your app as digital dollars, in seconds, with no remittance fee. You withdraw to your bank whenever you want.
How do I get paid from Upwork, Deel, Payoneer or a client abroad from El Salvador?
You share your US or EU account details like any local vendor. The payment lands in your app as digital dollars, in seconds.
How do I withdraw to my bank in El Salvador?
Straight from the app to your account at any bank, via Transfer365. Dollar for dollar, no conversion. The fee, if any, is shown before you confirm.
How do I move money out?
- To a bank account: withdraw dollars to any bank in El Salvador via Transfer365, no exchange rate — or send to a US or EU account.
- 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 — withdrawing to a bank in El Salvador — 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 El Salvador, 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 to your bank when you decide — from El Salvador.