Opening 2027, country by country. Founding members first.
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#2,136
We've emailed this to with your invite link. Tap Confirm my email in that email to lock your place in. Each friend who joins through your link moves you up 50 places and earns you 25 $AG when you both open an account.
Oneaccount. Anywhereon earth.
Everything you use a bank for, in one account that works in every country. A card, free instant payments, and dollars that earn.
One dollar accountA card for every countryFree between Alpha accountsPrivate, even from AlphaKeys only you hold
195countries on earth. One account. Anywhere on earth.EVERY COUNTRY
Freepayments between Alpha accounts. Any amount, any country.US$0.00 · ALWAYS
US$every balance held in dollars. The world's reserve currency.RESERVE CURRENCY
0.8 sfor money to arrive. Anywhere on earth, any time.UNDER ONE SECOND
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The product
The whole world, in your pocket.
Everything you'd expect, and a few things no bank can offer. Here is the app as it stands today.
How it works
Download to dollars in under five minutes.
No branch, no forms, no waiting for a card in the post. Moving your whole financial life over takes less time than one call to your old bank.
90 secondsVerify once, with Face IDYour phone makes your key. No password to forget, nothing for anyone to steal.
US$0
A few minutesBring your money overMove it in from wherever it sits today, by transfer or card, in any currency, converted at the real rate the moment it lands.
arrived · 0.8 s
Under a secondSpend and send anywherePay by card in any country. Send to anyone on Alpha free. Earn on what you keep.
Private by design
Your money is nobody's business.
At a typical bank, every payment you make is a line in a database that staff, partners and anyone who breaks in can read. On Alpha, every payment is sealed. Not even Alpha can read it.
VISIBLE
A typical account
What their staff and systems can read
Rent · Lisbon flatImobiliária · 3 Nov−$900.00
Dr Mendes clinicCard · 2 Nov−$140.00
Acme StudioInvoice paid · 1 Nov+$1,800.00
Daniel OrtizTransfer · 31 Oct−$120.00
Pingo DoceCard · 30 Oct−$48.37
SEALED
Your Alpha account
What anyone but you can read
Rent · Lisbon flatImobiliária · 3 Nov−$900.00
Dr Mendes clinicCard · 2 Nov−$140.00
Acme StudioInvoice paid · 1 Nov+$1,800.00
Daniel OrtizTransfer · 31 Oct−$120.00
Pingo DoceCard · 30 Oct−$48.37
Your balance and your payments unlock only on your own devices. A sealed record is opened only on a lawful request, approved by several keyholders, and every opening is logged.
There is no master key to stealAlpha holds no key to anyone's money and no central pot of it. There is nothing in the middle to break into.
Rules locked into the codeYour limits, approvals and freezes are enforced by the code that runs your account. Not even Alpha can override them.
Your face, not a passwordEvery payment and every new recipient needs your passkey on your own phone. There is no password to phish.
The difference
Everything your bank does. Nothing it does to you.
A typical bank
Your money sits in their account
Staff and systems can read every payment
They can freeze or move your money
A password, and a reset link anyone can phish
Days and a hidden margin to send money abroad
Alpha
Your money sits in your account. We never hold it
Every payment is sealed. Only you can open it
We can't move it. Not even if we wanted to
Your passkey, on your own phone
Under a second, free, to anyone on Alpha
Sending money abroadUS$15–45 + 2–4% hidden in the rateFreeto anyone on Alpha
Time to arrive1–5 business days< 1 sany country, any hour
Paying by card abroad1–3% foreign fee0%no Alpha fee, ever
Local money in or out2–4% in the exchange rate0.25%at the real rate · 0% on Elite Metal
What Alpha can do
Pause payments to protect you, or everyone, in an emergency
Hold money that fails a screening check
Answer a lawful request through a logged process that needs several keyholders
What Alpha can't do
Read your balance or your payments
Move, take or lend your money
Change your rules, or get into your account
Always in dollars
Hold the world's reserve currency. Spend in your own.
The US dollar is the currency the world settles in: governments, banks and global business all hold it. Alpha keeps every balance in dollars, wherever you live, so your money sits in the currency the world trusts most, not the one your country happens to use. When you need local money, it converts at that moment, at a rate you see first.
Illustration. Over the last five years, dozens of currencies lost a quarter or more of their value against the dollar.
Held as digital dollarsRegulated, fully reserved, and redeemable one-to-one for US dollars at any time.
Local when you need itGet paid in euros, pay rent in pesos, shop in yen. Your balance stays in dollars in between, and only converts the moment you spend or send.
Insurance against your own currencyIf inflation spikes or your currency falls, your balance doesn't move. Every dollar you hold simply buys more at home, not less.
No hidden marginThe rate and every cost are shown before you tap. 0% Alpha fee on paid plans.
Under the hood
Built on rails that can't lie.
Alpha runs on a public blockchain: a ledger nobody owns and anyone can check. You'll never see it in the app. It's the reason the app can make promises others can't.
YOUR PHONE · LISBONSend US$1,200 to MinaChoose a recipient. Approve with Face ID.
A payment, from tap to arrival. Watch the sealed proof move.
01Every dollar, accounted for every secondThe ledger proves that what it holds equals what it owes, block by block, around the clock. If a single cent were missing, everything would stop. Anyone can check.
02Digital dollars, fully reservedYour balance is held as regulated digital dollars, backed one-to-one by US dollars and short-dated US government debt, and redeemable at any time.
03Code that can't be changedThe rules that hold your money are published once and never altered. No update can quietly change what they do.
Your keys
Your money is yours. Only you hold the keys.
You approve every payment with your passkey, on your own phone. There is no key on our side: no one at Alpha can move your money, and nothing that happens to Alpha can either.
Lose every device and any two of your three guardians, your backup key, a person you trust, and Alpha, can let you back in, after a 72-hour wait that gives you time to stop anyone who isn't you.
Passkeys, not passwordsFace ID for new recipientsInstant freezeAlerts on every payment
Borderless
Money that moves like a message.
Send dollars to anyone on Alpha, in any country, and it lands in under a second. Free, every time.
For business
Get paid from anywhere. Pay anyone, in a click.
A dollar account for companies that work across borders, with the controls a finance team expects and none of the waiting.
Invoices that get paidSend an invoice; the client pays by bank or card in their own currency; you receive dollars, same day.
Team cardsA card for every person, with limits, categories and receipts attached as they spend.
Approvals and rolesTwo signatures above a threshold. Finance sees everything; nobody moves money alone.
Bulk payoutsPay a hundred contractors in a hundred countries from one file. Free to anyone on Alpha.
Exports and APIStatements your accountant can open; an API your engineers will like, on larger plans.
Key rotation for companiesPeople leave. Keys get rotated, with a record of who held what and when.
BusinessUS$199 / monthUp to 5 people · team cards · invoices · bulk payouts · roles
ScaleUS$999 / monthUp to 25 people · approvals above a threshold · accounting exports · API · priority support
EnterpriseCustomUnlimited people · key rotation and custody policy · dedicated support · bespoke limits
Plans
Start free. Upgrade when it pays for itself.
Elite Global
Free
Premium Elite Global card
Free payments between Alpha accounts
Local money in and out at 0.25%
Earn, pots, invoices, $AG rewards
Elite Metal
US$24.99 / month
Metal card
0% Alpha fee on local money
Higher Earn rate and limits
Or hold US$1,000 of $AG instead of paying
Business
From US$199 / month
Team cards, invoices, bulk payouts
Roles and approvals
Scale and Enterprise tiers with API, exports and key rotation
Most account theft starts with a password or a reset link. Alpha has neither.
Face ID, not a passwordA passkey on your own phone approves every payment. There is no password to leak and no code by text to intercept.
No master keyAlpha holds no key that opens your account. There is nothing inside Alpha for an attacker to take.
Lose every device, keep your moneyTwo of three guardians can let you back in: your backup key, a person you trust, and Alpha. After a 72-hour delay you can stop if it wasn't you.
Rules locked in codeThe rules that hold your money are published once and never altered. No update can quietly change what they do.
New recipient? Face ID againSending to someone new asks for Face ID a second time. No waiting period, no way for a thief to add themselves.
Limits that follow youRolling 30-day limits you set yourself, raised only with Face ID, so a bad day can't become a catastrophe.
Found a weakness? security@alpha.com.ky. We answer within one business day and credit researchers who help.
Be first in.
Leave your email and we'll tell you when Alpha opens in your country. Every friend who joins through your link earns you 25 $AG when you both open an account.
Founding members: the first 10,000 get Elite Metal free for their first year
Your account number is yours in the order you joined
No spam. One email when it's your turn, and the occasional build update
Takes 20 seconds. We'll send one email to confirm.
You're in.Your place in the queue. It's in your inbox too, with your invite link.
Each friend who joins through it moves you up 50 places and earns you 25 $AG when you both open an account.
