# Onboard

> Your Money, Minus the Worry

Onboard is a financial services company offering USD accounts, virtual cards, a self-custody crypto wallet, and cross-border payments. It serves individuals and businesses moving money and digital assets across borders.

Onboard is a financial services company that combines traditional banking features with digital asset tools for individuals and businesses operating across borders. It provides USD accounts, virtual cards, a self-custody crypto wallet, and a peer-to-peer exchange for converting between local currencies and digital assets. Its business offering adds cross-border foreign exchange and payout services, positioning the company as a bridge between local currency corridors and global payment rails.

The platform addresses the friction of moving money internationally, where traditional transfers are often slow and costly and access to stable, dollar-denominated accounts is limited. Users can receive payments through several channels, hold and convert between multiple currencies, and settle payouts in real time rather than waiting several days for bank transfers. The company operates as a licensed and regulated money services provider in the jurisdictions where it is registered.

Core offerings include USD accounts, virtual and physical cards, and a crypto wallet for holding and trading digital assets, alongside application programming interface access that lets other businesses embed foreign exchange and payout functionality into their own products. Individual users rely on Onboard to manage cross-border spending and savings, while startups, agencies, importers, and e-commerce businesses use its business tools to pay suppliers, run payroll, and receive international client payments.

- Type: Company
- Sector: Payments
- Status: Active
- Founded: 2022-06-01
- Profile: https://thegrid.id/profiles/onboard

## Products

- [Onboard Wallet](https://thegrid.id/profiles/onboard): Onboard Wallet is a self-custody digital asset wallet that lets users store and manage private keys locally while retaining full control of their funds. It supports token swaps, multi-network asset storage, and a unified portfolio view across supported chains, and connects to decentralized applications through WalletConnect. The wallet is aimed at crypto-savvy users who want simplicity alongside full custody of their assets, and it can fund linked payment cards directly from wallet balances. (Wallet, Live)
- [Onboard Exchange](https://thegrid.id/profiles/onboard): Onboard Exchange is a peer-to-peer marketplace that connects crypto holders with local currency traders through smart contract escrow. It matches users with verified merchants to buy or sell digital assets across multiple currencies and local payment methods, with funds held non-custodially in escrow until trade completion. The service works with self-custody wallets, including Onboard Wallet, and offers a low-code and API-based integration option for third-party apps and merchants seeking access to crypto liquidity. (On/Off Ramp, Live, Main Product)
- [Virtual USD Cards](https://thegrid.id/profiles/onboard): Virtual USD Cards are Visa-compatible payment cards that convert loaded stablecoin or fiat balances into spendable USD for point-of-sale and online purchases. Users fund the cards from a wallet balance, external crypto wallets, or bank transfer, and can spend anywhere Visa is accepted, including subscriptions and everyday transactions. The cards target crypto holders who want to spend digital assets as easily as cash without separate off-ramping steps. (Card, Live)
- [Onboard USD Account](https://thegrid.id/profiles/onboard): The Onboard USD Account is a dedicated dollar-denominated account that lets creators, freelancers, and entrepreneurs receive and hold payments from global clients and platforms. Users receive funds through ACH and wire transfers from sources such as freelance and content platforms, then withdraw to local banks, crypto wallets, or a linked payment card. The account emphasizes fast setup and flexible movement between fiat and crypto, serving users who are paid internationally but need local access to funds. (Neobank, Live)
- [Onboard Business](https://thegrid.id/profiles/onboard): Onboard Business is a cross-border payments platform that lets companies move money internationally through multi-currency accounts, real-time payouts, and foreign exchange conversion. Businesses hold, receive, and convert balances across currencies, pay suppliers with faster settlement than traditional bank transfers, and access an API to embed foreign exchange and payout functionality into their own products or workflows. The service is aimed at businesses handling recurring cross-border volume, such as agencies, importers, and e-commerce companies, and is supported by a dedicated account team. (Financial Services Platform, Live)

## Links

- [Main](https://www.onboard.xyz)
- [Blog](https://blog.onboard.xyz)
- [Documentation](https://docs.onboard.xyz)
- [Privacy policy](https://onboard.xyz/privacy-policy)
- [Terms of Service](https://onboard.xyz/terms)
- [Twitter / X](https://x.com/OnboardGlobal)
- [Instagram](https://www.instagram.com/onboardglobal_)
- [TikTok](https://www.tiktok.com/@onboardtv)

## 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
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- [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