Your dollar wallet. No bank needed.
Hold dollars, send them instantly, and save on your terms. All from your phone. All yours.
Download ArcaFree to download. No bank account required.
Arca Wallet is available now.
Download your dollar wallet from the App Store or Google Play.
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 |
Fee note: the 0.5% figure covers Arca transfer pricing for supported send flows. Provider fees, network conditions, exchange-rate spreads, card fees, and off-ramp fees may still vary by corridor or partner.
Questions people ask before downloading Arca
Short answers on availability, funding, recovery, and the 0.5% transfer fee shown above.
Where can I use Arca Wallet? +
Arca Wallet is available on iOS and Android. App store availability, add-funds methods, payouts, and partner services can vary by country, so check the store listing and in-app provider screens for your location.
How do I add dollars? +
Arca supports digital dollars such as USDC and USDT on supported networks. Funding methods depend on the provider shown in the app, and some providers may ask for country, payment, or identity details.
What happens if I lose access to my phone? +
Arca uses a non-custodial wallet model. Account recovery depends on your sign-in method and wallet setup, so keep your email, Apple, or Google account secure and review the recovery steps in the docs before you move larger balances.
What does the 0.5% transfer fee include? +
The comparison uses Arca transfer pricing for sending through supported flows. Provider fees, network conditions, exchange-rate spreads, card fees, and off-ramp fees can still vary by corridor or partner.
Seconds
To send dollars. Not days.
Yours
Your keys. Your wallet. Only you have access.
30s
To open your dollar wallet.
From the blog
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Your money deserves better.
Download Arca Wallet from the App Store or Google Play.