Your dollar wallet. No bank needed.
Hold dollars, send them instantly, and save on your terms. All from your phone. All yours.
Free to join. No bank account required.
Something good is coming.
We're building your dollar wallet.
A better way to hold dollars.
Simple, fast, and built for the way money actually moves.
Save in dollars
Your balance is in USD. No minimum deposit, no paperwork, no branch visits. Set up your wallet in 30 seconds.
Send instantly
Send dollars to anyone, anywhere. Arrives in seconds, not the 1-5 business days a bank wire takes.
Save your way
Move dollars into Savings. No lock-up period. Withdraw anytime.
Only you have access
Your wallet is controlled by you. Arca can't move your funds or lock you out. You hold your own keys.
No bank required
1.3 billion adults worldwide have no financial account. With Arca, you don't need one. Sign up in 30 seconds from anywhere.
Works everywhere
One wallet that works across borders. Same app, same balance, whether you're in Jakarta or London.
Leave anytime. Take everything with you.
Your wallet belongs to you, not to Arca. Export your account and move to any compatible app or service. No transfer requests. No waiting periods. No permission needed.
The problem is real.
These aren't hypotheticals. This is what people deal with today.
1.3B
adults worldwide still have no financial account
Source: World Bank, Global Findex 2025
6.49%
average cost to send money across borders
Source: World Bank, Remittance Prices Q1 2025
54%
Argentina's peso lost overnight, Dec 2023
Source: CNN
$93B
frozen in Lebanese bank accounts since 2019
Source: The National
$179T
in cross-border payments flow through slow, expensive rails every year
Source: McKinsey
Up and running in 3 steps.
Sign up
Download the app. Sign in with Google, Apple, or email. That's it. Your wallet is ready.
Add dollars
Add dollars from a bank, card, or mobile money. Local currency converts automatically.
Save, send, spend
Hold dollars, send them instantly, and move savings into Arca Savings.
The difference is clear.
What it actually takes to save in dollars.
| Feature | Banks | Arca |
|---|---|---|
| Minimum deposit | $500+ | $0 |
| Send fees | $15-45 wire | 0.5% |
| Savings options | Limited | Flexible |
| Setup time | Days + branch | 30 seconds |
| Transfer speed | 1-5 business days | Seconds |
| Who controls your wallet | Your provider | You |
Seconds
To send dollars. Not days.
Yours
Your keys. Your wallet. Only you have access.
30s
To open your dollar wallet.
From the blog
View allThe Real Cost of Sending Money Home (And How to Keep More of It)
The average international transfer costs 6.49%. On a $200 send, that's $13 gone. Here's where the fees hide and how dollar wallets are changing the math.
The Best Money System Nobody Can Use!
Digital dollars are fast, cheap, and global. So why can't normal people use them? A look at the UX gap between what the technology can do and what the products actually deliver.
Your money deserves better.
Join the waitlist. Be the first to get access.