# Accrue

> Send and receive money across Africa and the US

Accrue helps users send money across Africa and the US, save in dollars, and access financial services through mobile banking.

Accrue helps individuals and businesses manage cross-border payments between Africa and the US through mobile banking services. Users can send money across African countries, receive USD payments, create virtual cards for online spending, and save in dollars with interest earnings.

- Type: Company
- Sector: Payments
- Status: Active
- Founded: 2021-01-01
- Profile: https://thegrid.id/profiles/accrue

## Products

- [Accrue](https://thegrid.id/profiles/accrue): Accrue is a consumer neobank for Africans and the diaspora providing USD accounts with ACH payments, cross-border remittances to African countries via bank transfer, mobile money, and M-Pesa in under 5 minutes, a virtual Visa dollar card, and provides USD savings accounts with daily interest accrual. (Neobank, Live, Main Product)
- [Cashramp](https://thegrid.id/profiles/accrue): Cashramp is a peer-to-peer stablecoin agent network enabling cross-border payments across Africa, where agents escrow stablecoins and set competitive USD-to-local-currency exchange rates to facilitate deposits and withdrawals for users across. Agents earn fees on completed transactions with payments settling in under 15 minutes through an escrow-secured system. (On/Off Ramp, Live)

## Links

- [Main](https://useaccrue.com)
- [Blog](https://blog.useaccrue.com)
- [Documentation](https://useaccrue.com/faqs)
- [Privacy policy](https://useaccrue.com/privacy)
- [Terms of Service](https://useaccrue.com/terms)
- [TikTok](https://www.tiktok.com/@useaccrue)
- [LinkedIn](https://www.linkedin.com/company/useaccrue)
- [Instagram](https://www.instagram.com/useaccrue)

## Legal

This data is provided under two licensing models.

Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. Attribution is required: include "Powered by The Grid" linking to https://thegrid.id wherever the data is used. Derivative databases must be shared under ODbL terms. Trademarks, logos, and brand names (marked "Special TPIP") are not covered by the ODbL. For ML/AI use: training datasets that substantially extract ODbL data are Derivative Databases and must be shared under ODbL if publicly used; models must be attributed in documentation.

Model 2 - commercial licenses. The Grid Data Service (TGDS) is also available as a commercial license. See [Web Services Terms](https://about.thegrid.id/legal/web-services-terms) for commercial use that is not covered by the open data service.

The following applies to both licensing models.
- All data is provided AS IS with no guarantees of accuracy.
- The Grid does not provide investment, legal, or tax advice, and
- a project's presence in The Grid's data does not imply endorsement.


- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
- [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service.
- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
- [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services.
- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

## Optional

- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
- [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships
- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
- [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types
- [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP