Global USD Accounts
Provide U.S. Dollar Accounts to Users Globally with Modern Treasury
What Is a Global USD Account?
A global USD account is a named U.S. dollar account, with its own account and routing number, opened for a business or individual outside the United States. Platforms use them to pay international contractors, sellers, and customers in dollars they can hold, without those users forming a U.S. entity or the platform building correspondent banking relationships. Funds arrive over U.S. rails and can move on to stablecoins or back out over the same rails. Modern Treasury provides the accounts, the compliance, and the rails as your payment service provider (PSP).
FAQs
Through a payment service provider that already holds the U.S. bank relationships. Your platform integrates Modern Treasury once, runs each user through KYC or KYB in your own onboarding flow, and opens a named U.S. dollar account for them with one API call. The account has its own account and routing number, so a U.S. employer or customer pays it over ACH, wire, RTP, or FedNow like any domestic account. Your users hold dollars, send them onward, or convert to stablecoins, without forming a U.S. entity or your platform building correspondent banking.
Yes, through a platform built on Modern Treasury. An eligible user completes KYC or KYB in the platform's onboarding and receives a named U.S. account without forming a U.S. entity. The platform decides who to offer accounts to; Modern Treasury runs the verification and provisions the account.
Global USD Accounts are available for eligible individuals and businesses in more than 90 countries. Eligibility varies by country and account type. Reach out to talk through specific markets.
Inbound and outbound ACH, wire, RTP, and FedNow within the U.S., plus conversion to and from stablecoins to move value on-chain. A contractor in Manila can receive a same-day ACH from a U.S. employer, hold dollars, and convert to a stablecoin to spend or send locally.
Every account holder is verified before the account opens. Modern Treasury runs KYC or KYB against documents from the holder's own country, screens for sanctions, and monitors transactions after opening. Your platform integrates one onboarding flow; you don't run a compliance program per country.
The usual stack for offering dollar accounts abroad is a sponsor bank for U.S. account access, a compliance vendor for onboarding, a payment processor for moving funds, and a separate stablecoin provider. Modern Treasury replaces all four with one integration.