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Run business finance
from one global
business account.

USD and EUR business accounts from 200+ countries. Access global payments and FX, corporate cards with up to 2% cashback, multi-entity management, bill pay, invoicing, and accounting in one place.

Open an account
Altitude global business account dashboard with total balance, USD and EUR sub-accounts, recent transactions, and bills due

  • 200+ countries

    open USD and EUR accounts without a US entity.

  • $1.5B

    annualized payment volume.

  • up to 2% cashback

    2% travel, 1.5% AI and SaaS, 1% everything else.

Get paid. Pay anyone.
Run everything in between.

Multi-currency business accounts

USD and EUR business accounts
from anywhere in the world.

  • Open USD and EUR accounts from 200+ countries.
  • US bank account and routing number.
  • EUR IBAN from a Luxembourg bank.
  • Access banking and stablecoin rails from the same account.
  • Run multiple entities with one login.
  • 3.5% on your Altitude Earn USD balance.6
Explore accounts
Altitude account details with a USD routing and account number and a EUR IBAN and BIC

Global payments

Bill pay and global payments.
Save up to 60% on FX fees.

  • Pay via ACH, wire, SEPA, Faster Payments, SPEI, Pix, Bre-B, SWIFT, or stablecoins.
  • See the live exchange rate, fee, and exact amount received before you send.
  • Send and receive from USD or EUR balance.
  • Send on Solana, Ethereum, Base, Tempo, Avalanche, Arbitrum, and Optimism.
  • Get the full bill pay suite: supplier management, AI bill processing, and approvals.
Explore payments
Vendor bills arriving in Altitude by email and upload with review and approval statuses, next to payment methods grouped by currency

Cards and expenses

Earn up to 2% cashback. Full spend management and controls.

+2%
cashback on travel
+1.5%
on AI and SaaS
+1%
on everything else
  • Issue unlimited virtual cards for people, vendors, and projects.
  • Set limits by transaction, day, week, or month.
  • Monitor team spend in real time, and freeze or cancel cards instantly.
  • Match receipts to card transactions automatically.
Explore cards
Altitude corporate cards with monthly spend limits, receipts matched to card transactions, and cashback of 2%, 1.5%, and 1%

Altitude invoicing

Get paid on time, without
adding another tool.

  • Create and send invoices in USD and EUR.
  • Customers pay by bank or stablecoin transfer.
  • Match incoming payments to the right customer and invoice.
  • Sync reconciled transactions into your accounting system.
Explore invoicing
Altitude invoice with line items, a due date, and ACH and wire payment details, beside open invoices with a Remind button

Accounting

Cut the manual work
behind every transaction.

  • Altitude learns from your historical accounting data.
  • Documents are auto-matched to transactions.
  • Transactions arrive with suggested accounting categories.
  • Review transactions and sync them to QuickBooks and Xero.
Explore accounting
Altitude payments, deposits, and transfers with suggested accounting categories and a September ledger of debits and credits

Built for businesses already operating beyond borders.

Skyrise is a creative agency with a team across Portugal, Thailand, and the US. It takes client payments in USDC, ACH, and wire, and pays teams and vendors from one operating account.

Read the story

At the end of the day, it all lands together, in the same account, under one value. We don’t need to worry about all these different sources and currencies coming in to manage it.

XicoFounder and CEO, Skyrise

Raposa Coffee uses one dollar-denominated treasury to pay a global team, convert USDC to EUR, and send money to its European manufacturer without routing funds through multiple wallets and off-ramps.

Read the story

Faster and cheaper cross-border settlement isn’t a crypto novelty. It’s real working capital.

AndrewFounder, Raposa Coffee

Secure from the ground up.

  • Your business controls the account

    Your account is fully controlled by you. Altitude cannot access or move your funds.

  • Approvals enforced by code

    Set member permissions and approval thresholds for your workspace. Every transaction follows the rules you set and requires the right approvals before it can go through.

  • Secure access for every team member

    Individual accounts are protected by configurable MFA and passkeys, with optional hardware security keys like YubiKey.

  • Global access through licensed partners

    Altitude works with licensed payment providers and established global financial institutions worldwide.

Frequently
asked questions

Eligibility by country, documents, fees, and how the account works, all available in the Help Center.

Book a demo

Altitude is a global business account that brings payments, corporate cards, and financial operations into one place. Businesses in 200+ countries can open USD and EUR accounts, send and receive payments worldwide, and manage bills, invoices, expenses, approvals, and accounting with no US entity required.

Altitude is a financial technology platform that works with licensed financial partners to connect your business to global payment networks. These include Bridge, a Stripe company, which powers our ACH, wire, SEPA, and SWIFT account infrastructure and converts incoming bank transfers into stablecoins issued by Circle.

Altitude is built by Squads, a company developing financial account infrastructure that gives businesses ownership and control of their money. Squads infrastructure secures over $10 billion in digital assets and has processed over $15 billion in stablecoin payment volume in the last 12 months. Altitude has reached $1.5 billion in annualized payment volume.

Your balance is held as stablecoins in an account your business owns and controls, backed 1:1 by cash and cash equivalents held at leading financial institutions, such as BlackRock.

Incoming USD and EUR bank transfers are automatically converted 1:1 into USDC or EURC and credited to your Altitude account. USDC and EURC are issued by Circle and are fully reserved, not fractionally reserved: for every dollar or euro issued, Circle holds at least an equivalent value in cash and highly liquid reserve assets. These reserves are held separately from Circle’s operating funds for the benefit of stablecoin holders.

  • USD balances: Your balance is held in USDC, issued by Circle and backed 1:1 by dollar reserves consisting of cash, short-term US Treasuries, and overnight Treasury repurchase agreements. Most of this backing sits in the Circle Reserve Fund, managed by BlackRock, the world’s largest asset manager by AUM.
  • EUR balances: Your balance is held in EURC, issued by Circle and backed 1:1 by euro-denominated reserves held at regulated financial institutions. Circle’s European issuer is a licensed electronic money institution, authorized to issue USDC and EURC under the EU’s MiCA framework.
  • Earn balances: Eligible businesses can currently earn 3.5% in rewards through Altitude Earn, using infrastructure provided by Bridge, a Stripe company. Balances are backed 1:1 by short-term US Treasuries managed by BlackRock. Rates are variable and subject to eligibility and program terms.

Circle issues its stablecoins through regulated entities and reported $73.3 billion of USDC in circulation as of June 30, 2026. USDC is used by companies like Visa, BlackRock, and Polymarket.

Bridge, a Stripe company, provides services through licensed entities, including its US money transmission business. Its infrastructure and services are used by companies like Shopify, Klarna, and Deel.

Altitude does not take custody of your account’s stablecoins. Stablecoin balances are not bank deposits and are not covered by deposit insurance.

Businesses in 200+ countries can apply for Altitude, subject to eligibility and verification requirements. Available products and features may vary by country. View the full list of eligible countries here.

To open an account, you'll need:

  • Company documents showing your business's formation, registration, and ownership
  • Proof of business activity, such as a recent invoice or contract
  • Proof of address from the last three months
  • ID verification for owners with 25% or more and a control person, using a government-issued ID and a quick camera check

No. Businesses from 200+ countries can open USD and EUR accounts without needing a US entity.

Altitude is free to open, with no monthly account or platform fee. Every account includes access to cards, bill pay, invoicing, accounting, and controls. Competitive fees apply to certain global transfers and are shown before you confirm.

Send and receive money by local bank transfer, SWIFT, or stablecoins. You can send local payments in every region below, and receive them in the US and Europe:

  • US: ACH and domestic wire transfers
  • Europe: SEPA
  • UK: Faster Payments
  • Mexico: SPEI
  • Brazil: Pix
  • Colombia: Bre-B and Bank Transfer

Open from anywhere. Operate everywhere.

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