# Accrue

> Send and receive money across Africa and the US

Accrue is a cross-border payments company serving Africa and the US. It lets users send money internationally, hold US dollar accounts, and save with interest through a mobile app.

Accrue is a fintech company offering cross-border payment and savings services between African countries and the United States. It provides individuals and businesses with tools to send money internationally, hold US dollar denominated accounts, and manage everyday spending through virtual cards. The service targets freelancers, remote workers, students, and small business owners who need to receive or move funds across borders.

The platform addresses the difficulty of moving money between African currencies and the US dollar by giving users a personal USD account linked to regulated banking partners, alongside local payout options such as bank transfers and mobile money. Users complete identity verification digitally before accessing send, receive, and savings features. Deposits held in the dollar savings feature earn daily interest.

Core offerings include cross-border money transfers, USD accounts for receiving international payments, virtual dollar cards for online spending, and a savings feature with lock-in options. Additional tools let users create payment links and simple online stores to receive payments from customers. The service is used by individuals sending remittances and by small businesses accepting cross-border payments.

- 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 neobank offering USD accounts and related financial services for individuals in Africa and the diaspora. It provides USD accounts with ACH payments, cross-border remittances to African countries through bank transfer, mobile money, and mobile wallets, and a virtual dollar card for everyday spending. Users can also hold USD savings balances that accrue daily interest, with transfers settling within minutes through fiat and stablecoin rails. (Neobank, Live, Main Product)
- [Cashramp](https://thegrid.id/profiles/accrue): Cashramp is a peer-to-peer stablecoin on and off ramp enabling cross-border payments across Africa. Agents in its network escrow stablecoins and set exchange rates between US dollars and local currencies to process deposits and withdrawals for users. The service settles transactions through an escrow-secured system, with agents earning fees on completed transactions. (On/Off Ramp, Live)
- [Accrue Business](https://thegrid.id/profiles/accrue): Accrue Business is a financial services platform that provides businesses with dedicated USD and EUR accounts, local collections, and cross-border vendor payouts across Africa and the United States. It lets companies issue virtual USD cards for employees and vendors, send invoices, and pay contractors through bank transfer, mobile money, or stablecoins. An application programming interface allows other businesses to embed wallets, cards, and stablecoin deposit and withdrawal rails into their own products. Businesses manage funds through a single balance across fiat and stablecoin rails without needing crypto expertise. (Financial Services Platform, 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)
- [Twitter / X](https://x.com/useaccrue)
- [Threads](https://www.threads.com/@useaccrue)
- [Instagram](https://www.instagram.com/accruebusiness)

## 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