> For the complete documentation index, see [llms.txt](https://docs.bankly.cc/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.bankly.cc/readme.md).

# Bankly — Global USD Account

**Bankly is a global US dollar account with a card.** Hold dollars, spend them anywhere Visa is accepted, and move money across borders — all from one clean mobile app.

Your balance is dollars: stable, spendable, and yours. Top it up with crypto and you're holding USD — ready to use online, in store, or to send to anyone.

There are **no loans and no credit** — you spend the dollars you hold. No credit checks, no interest, no repayment schedules.

## What you get

* **A USD balance** — hold dollars in your account, not a volatile coin.
* **A card in seconds** — issue a virtual card instantly and spend your balance anywhere Visa works.
* **Global money movement** — send to other Bankly users and move funds across borders.
* **Top up with crypto** — fund your account with USDC and other supported assets; your balance lands as dollars.
* **Membership that pays you back** — every plan earns cashback and XP on what you spend.

## How it works

1. **Sign up** with your email and verify it.
2. **Choose a membership** that fits how you spend.
3. **Add funds** with crypto — your balance is held in US dollars.
4. **Issue your card** and start spending — earning cashback and XP as you go.

{% hint style="info" %}
Bankly is available in the **iOS app** and the **Telegram mini-app**. New regions and features are rolling out continuously.
{% endhint %}

## Start here

* [Sign up](/getting-started/sign-up.md) — create your account.
* [Membership](/getting-started/membership.md) — compare plans and pick yours.
* [About Bankly Card](/card/about-bankly-card.md) — how the card works.

***

*Looking for terms, privacy, or card agreements? See* [*Legal*](/legal/legal.md)*.*


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