Lustum
Download App

Digital dollars, controlled by no one but you

  • Transfer money globally without hidden fees.
  • USD account in seconds. Virtual Visa included.
  • Earn up to 20% APY on your savings.
  • No bank account needed.

The Dollar Doesn’t Care Where You Were Born

Open gift box with a Lustum Visa card inside

Free account

Open a free digital dollar account in minutes, right from your phone. No paperwork, no branch visits.

Stack of dollar bills with a shield and dollar coins

Save in dollars

Access the world’s most trusted currency. Shield your savings from inflation and currency volatility.

Visa card in front of a globe circled by a plane

Spend anywhere

Virtual Visa card, ready in seconds. Apple Pay. Google Pay. Accepted by 80M+ merchants in 150+ countries.

Glass piggy bank filled with dollar coins

Earn while you save

Outpace inflation on every dollar you hold. No lockups. Access your money at any time.

“Half the world earns in currencies that lose value every month. We think that is a problem worth fixing.”

Download App

A world full of problems. One fix.

Priya

Remote Developer · Manila

Priya is a developer in Manila working for a US startup that pays in USDC. She would usually cash out through an exchange, wait for bank settlement, and navigate Philippine regulations every time she needed money. Now she receives a salary directly to Lustum, generates high yield on her savings, and only converts when she needs local cash.

Woman watching the sunrise over rice fields near Manila

Amara

Freelance Designer · Lagos

Amara is a Nigerian graphic designer with clients in Europe and the US. Getting paid used to mean waiting a week for a wire transfer, losing 8% to her local bank, and watching the naira eat the rest. Now clients pay directly into her Lustum account and she spends with her Virtual Visa online and in-store without ever touching naira unless she wants to.

Designer walking through Lagos with her phone

Diego

Expat · Caracas → Madrid

Diego moved from Caracas to Madrid two years ago. Every month, he sends money home to his mother, losing 5-7% navigating remittance services with hidden fees and terrible rates. Now he sends USD to his mother's Lustum account in seconds. She spends it with Virtual Visa locally without friction.

Man texting family from a sunlit Madrid courtyard cafe

Fatima

E-commerce Founder · Cairo

Fatima runs an online beauty brand from Cairo, selling across the Gulf and getting paid in USD. Egyptian banks used to force every payout into pounds at brutal rates and freeze her dollars for days. Now her revenue lands in Lustum, she pays suppliers and ad platforms directly in dollars, and only converts to pounds when she chooses.

Founder working on her laptop on a sunlit Cairo rooftop

Built for the world the banks abandoned

Traditional banks

Lustum

International transfer fees

5–8% hidden

International transfer fees

Near zero

Speed

3–5 business days

Speed

Seconds

Savings

0.5% APY

Savings

Up to 20% APY

Account control

They hold it

Account control

You hold it

Currency risk

Fully exposed

Currency risk

Dollar-denominated

Requirements

Credit check, paperwork

Requirements

A smartphone

FAQ

  • Lustum is a borderless USD account. Hold dollars, send them globally with no fees, spend with a virtual Visa, and earn up to 20% APY on your balance.