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Your global USD bank account.

This basic account offers you full FDIC insurance, instant international transfers, and 24/7 support with anything you need.

It all starts here. Open an account in in less than a minute.

Questions? Call us at +1 844 201 7242.
Monday to Friday, 9am - 5pm PT.

Protect the value of your money

Save in USD, and protect your money against inflation and instability.

Send money globally, instantly

Send money home. Do bigger business. All you need is an internet connection.

Insure your money up to $130M

The FDIC insures each account up to $250K, so we store your money across 520 of them.

Withdraw anytime

To any local bank account. Just enter your bank details and you’re good to go.

How it works

1

You make a deposit

Send any currency to your local Constant Trust. If it’s not USD, we convert it.

2

We keep it safe

Your USD funds are held safely in FDIC insured US bank accounts with a total coverage of $130M.

3

You get more

Congratulations. You now have access to global transfers, secured investments, and more.

How We Work

We’re building a fairer, freer, financial system.

Today’s world is more connected than ever, but financial systems are still landlocked and insular, characterized by exclusivity, operating behind closed doors. Hard-earned money lies stagnant, steadily losing value as inflation rises. Loans are hard to access, and even more difficult to repay. It is easier to fly to some places than it is to send money there.

Everything we do at Constant is designed to make money more free, growth more achievable, and financial opportunities more accessible, to anyone, anywhere in the world.

Constant is proud to be 100% digital, online 24/7. Our team of economists, designers, engineers and industry experts write code, policy and efficient software in major cities around the globe. If you’re in the neighborhood, drop by anytime.

Frequently Asked Questions

What is Constant?

Constant is a financial services platform that helps you do more with your money. From savings to loans, our financial services leverage the best of blockchain tech to put you first, helping you achieve economic freedom.

We’ve thrown out credit scoring, paperwork, and fees to give you more of what you deserve – industry-leading rates, risk-free loans, a stable, state-less currency, and free international transfers.

Available all day, every day, anywhere in the world.

Is Constant regulated?
Yes. When not on loan, your savings are stored in the Constant Vault, which is regulated under US law. That’s why we ask you to verify your identity when you withdraw savings to your bank account.

How does Constant make money?
We charge interest on collateralized loans to pay you interest, and make a very slim profit from the difference.

Who are the people behind Constant?
We’re a diverse team of engineers, economists, monetary policymakers, and industry experts. You can read all about our team on About Us.

Where is Constant based?
Everywhere! We are a registered US entity supported by a global team with presences in the USA, Vietnam, and Malta. If you’re in our neighborhood, drop by anytime.

Are my deposits safe?

Yes. First, we convert your deposit to USD to stabilize and protect your funds from inflationary devaluation. Then, we send your funds to the Constant Vault, an escrow operated by Prime Trust, an accredited US financial institution.

The Constant Vault keeps your money safe across multiple FDIC-insured bank accounts, bringing total coverage to $130,000,000.

How do I make a deposit?

You can deposit funds in two ways:

Through our website. Simply select the amount of money you’d like to deposit and then send it by bank transfer to the Constant Vault. We’ll convert local currency to USD.
Through an exchange. If you can’t send money to the Constant Vault directly, you can also buy our USD-backed stablecoin, Constant, from selected exchanges. Buy Constant from an exchange, send it to our wallet address, and we’ll deposit USD into your account.

Which currencies do you accept?

We accept any currency you can send by bank transfer to our US-based Constant Vault. Once received, we convert your currency to USD.

Later, when you’re ready to withdraw, you’ll receive either USD (if you have a USD account) or local currency.

Do you accept cryptocurrencies?

Not directly, but you can buy Constant, our USD-backed stablecoin, from our exchange partners for other cryptocurrencies. Send Constant to our wallet and we’ll deposit the equivalent value of USD into your account.

Is there a limit on the number of deposits I can make?

No. You can deposit as much as you like, as often as you like.

How long will my transfer take?

It should be immediate, though at times of heavy network congestion, perhaps up to 30 seconds.

To which countries can I transfer money?

You can send funds to anyone, anywhere, anytime.

How do transfers work?

We use blockchain technology to make our transfers fast, free, and easy.

When you transfer USD, we digitize it in the form of our USD-backed stablecoin, Constant. Since Constant lives on the blockchain, it can be moved to anyone in the world for free – as quickly as sending an email.

At the other end, once your recipient receives Constant, they can then withdraw it again as USD or local currency (depending on their bank account). There's a small withdrawal fee of 0.25% per transaction (maximum $35).

Here’s a simple example:

You request a transfer of $100 to Mary.
We deduct $100 from your balance and send Mary 100 Constant.
Mary receives 100 Constant and her balance increases by $100.
Mary withdraws $100 and we deduct $100 from her balance.

Are transfers safe?

Yes – very safe. First, transfers take place on the blockchain, an immutable public ledger that’s extremely tough to hack. It’s virtually impossible to make fraudulent changes without getting noticed since transactions are collectively validated by the network. Even if your money went astray, it would be easy to trace.

Second, the blockchain is always on. There is no risk of downtime and no way for your money to get lost. It either reaches the recipient or stays in your account. Nevertheless, we keep your money safe in multiple FDIC-insured bank accounts, bringing total coverage to $130,000,000. So were the worst to happen, we’ve got you covered.

Does the recipient need a Constant account to receive funds?

To receive funds, your recipient needs either a Constant account or a web wallet that supports ERC-20 tokens. That way they can either receive USD or our USD-backed stablecoin, both of which can be withdrawn as USD or local currency (if the recipient doesn’t have a USD bank account).

How do I withdraw Constant?

Constant works with your local banking system so you can withdraw in USD or local currency. Although we store your deposits as USD, they’ll be automatically converted back into your local currency (at the real-time market rate) if you withdraw to a non-USD bank account.

To withdraw funds, simply request the amount you’d like to withdraw from the Withdraw tab, enter the bank details, and click Withdraw. All withdrawals cost 0.25% per transaction (maximum fee of $35). Alternatively, you can also withdraw funds as Constant, our USD-backed stablecoin, to an ETH or EOS wallet for free. Just enter the wallet address and click Withdraw.

Do you charge withdrawal fees?

Yes, we charge a small fee of 0.25% per transaction (maximum of $35).

Is there a limit on the number of withdrawals I can make?

No, you can withdraw as much and as often as you like.

How long do withdrawals take?

If you’re based in the US, your funds should arrive the same day as you request the withdrawal. If you’re based outside of the US, it might take a day or two, depending on your bank and country of residence.