Got USD stables?
Spend it anywhere.
Send it everywhere.
Get a free virtual card and spend your USD stables directly — no conversion needed. Or send to local banks across 12 currencies including THB, PHP, AED, AUD and more. Hold in USD, spend or send on your terms.
Free virtual card · 12 currencies · KYC in 10 minutes
What you can do with Elephants
3 ways
Spend with your card · Send to local banks · Hold in USD
$0 FX or conversion fees on USD spending
on your terms — no conversion forced.
Who it's for
Earning in USD stables is easy.
Using them shouldn't be hard.
If you earn in USD stables — from freelance work, remote employment, or crypto projects — you've hit the same wall. Your money is in your wallet but spending or sending it takes extra steps. Elephants removes those steps.
Freelancer / Remote worker
Get paid in USD stables by international clients. Load your Elephants account and spend directly with your free virtual card — no conversion, no CEX visit, no extra steps.
Your USD stables are already spendable.
Digital nomad / Multi-country
Live or work across multiple countries. Hold in USD and send to local banks in THB, PHP, AED, AUD, EUR, GBP, HKD, CAD, MYR, NPR or KRW — whenever you need to, at competitive rates.
12 currencies. One account.
Small business / E-commerce
Pay overseas suppliers or contractors in their local currency. Hold USD centrally and distribute only when needed — without routing through your home bank every time.
Pay vendors across 12 countries.
The solution
One account. Three ways to use your USD.
Deposit USD stables and choose how to use them. Spend with your free virtual card wherever USD is accepted online. Send to local banks in 12 currencies when you need to pay people or vendors abroad. Or just hold in USD until you need it — no forced conversion.
| CEX + Bank Account | elephants | |
|---|---|---|
| Spend USD stables directly | No — convert first | Yes — free virtual card |
| Send to local banks | Limited currencies | 12 currencies |
| Hold USD without converting | No | Yes |
| Monthly fee | Varies | From $0 |
| Rewards on spend | No | Ele Points → miles |
Virtual card and 12-currency transfers are available on all tiers. USD stable deposits are free. Virtual card is free. Physical card is $35. Send fees vary by tier.
How it works
Up and running in 10 minutes
01
Create your account
Email, basic details, done. No paperwork. No branch visit.
02
Complete KYC
Identity verification takes 5–8 minutes. Government-issued ID and a selfie. Approval is typically same-day.
03
Spend, send or hold
Use your free virtual card to spend USD anywhere, send to local banks in 12 currencies, or hold in USD until you need it.
Trusted across Southeast Asia
200+
USD stable earners and businesses in Thailand, Philippines & Hong Kong
I was losing around $200 a month converting USD payments. Since switching to Elephants I've cut that to almost nothing.
Consultant, Bangkok
Our supplier payments used to cost us 2–3% every month. Now it's 0.15%. On our volume that's a real saving.
E-commerce business, Thailand
Common questions
Before you sign up
Is this a bank?
Elephants is a treasury and spend platform — not a bank. You don't need to close your existing bank account. Most users keep both and route international transfers through Elephants for the lower fee.
What currencies do you support?
Elephants accepts USD, USDC and USDT deposits — with support to convert into 12 currencies: Thai Baht (THB), Philippine Peso (PHP), UAE Dirham (AED), Australian Dollar (AUD), Euro (EUR), British Pound (GBP), Hong Kong Dollar (HKD), Canadian Dollar (CAD), Malaysian Ringgit (MYR), Nepalese Rupee (NPR), South Korean Won (KRW), and USD.
Where is Elephants available?
Elephants is available for individuals and businesses in Southeast Asia, MENA, and Eastern Europe. The Elephants card works anywhere it is accepted globally.
How long does KYC take?
Most users complete KYC in 5–8 minutes. You'll need a government-issued ID and a selfie. Approval is typically same-day.
Get started today
Your USD stables.
Spend them, send them, hold them.
Get your free virtual card in 10 minutes. Spend USD directly or send to local banks in 12 currencies.
Get my free virtual card →No monthly fee · No minimum balance · Cancel any time