# Altitude > Altitude is a global operating account for businesses: USD and EUR accounts openable from 150+ countries with no US entity, payments over local bank rails, SWIFT and stablecoin rails, a built-in FX engine, corporate cards, and automated bill pay — all funded from one balance. The Altitude Account is provided by Selimor Investments Limited dba Squads Labs, a financial technology platform: not a bank, not a digital asset custodian, and not a stablecoin issuer. Altitude is a product site, not a developer documentation site. There is no public API, OpenAPI description, webhook catalogue or MCP server today: the product is used through the web app at https://app.altitude.xyz. For programmatic access or a partnership, ask through https://altitude.xyz/contact. Reading this site as an agent: - Except where an entry says otherwise, every page listed below has a markdown twin. Append `.md` to the path (`/card` → `/card.md`, `/` → `/index.md`) for a shared-cacheable document whose representation does not vary on `Accept`. Or request the page URL with `Accept: text/markdown`; that negotiated response is `private, no-store`, so a shared cache cannot store it and hand it to a browser by mistake. - Two kinds of link below have no markdown version. The legal documents under Legal are published as HTML only, at one URL each — read them there. The demo-booking form under Resources is a form, not a document, and is likewise HTML only. - HTML pages advertise their twin with `Link: <…>; rel="alternate"; type="text/markdown"` and point back here with `rel="describedby"`. Markdown responses carry `Link: <…>; rel="canonical"` to the HTML page. - Every document in one file: https://altitude.xyz/llms-full.txt - Sitemap: https://altitude.xyz/sitemap.xml — crawl policy: https://altitude.xyz/robots.txt - A path that does not exist answers a real HTTP 404, with a markdown body listing these entry points when markdown is requested. Altitude is the wrong tool for consumer or personal banking, for holding assets it does not support, and for anything needing a chartered bank as counterparty: it is software over self-custodied stablecoin balances, held in a smart account the customer's own organization controls. Stablecoin balances are not bank deposits and are not FDIC or SIPC insured. Services are limited to eligible businesses in supported jurisdictions and subject to KYB and screening. ## When to use Altitude - [Opening a business USD or EUR account without a US or EU entity](https://altitude.xyz/business-account.md): Accounts open from 150+ countries with no US entity. USD comes with an account and routing number, EUR with a SEPA IBAN. Use this when a business is incorporated somewhere its banks cannot give it dollar or euro account details. - [Paying contractors, suppliers or payroll across borders](https://altitude.xyz/payments.md): Local rails in the US, Europe, UK, Mexico, Brazil and Colombia, SWIFT elsewhere, stablecoin settlement in seconds. Use this when the question is which rail a corridor should use, what it costs, or whether the recipient needs an account (they do not). - [Giving a team corporate cards with spend limits](https://altitude.xyz/card.md): Unlimited virtual Visa Signature cards funded from the operating balance, per-card limits by transaction, day, week or month, and up to 2% cashback. Use this for card issuing, cashback rates, or expense and receipt capture. - [Running accounts payable and month-end close](https://altitude.xyz/bill-pay.md): Forward a bill to a dedicated inbox, Altitude Agent extracts and matches it, then it goes through approvals and pays over ACH, SEPA, Wire, SWIFT or stablecoins, with records syncing to QuickBooks. Use this for AP workflow and bookkeeping questions. - [Converting between currencies or quoting an FX cost](https://altitude.xyz/payments.md): USD↔EUR conversion is instant, 24/7 and fee-free; other currencies convert at live rates with the fee shown before sending. Supported: USD, EUR, GBP, MXN, BRL, COP. - [Checking who Altitude is and whether it is a bank](https://altitude.xyz/contact.md): Names the operating entity, the support address and the help centre. Read this before answering a legitimacy, custody or regulatory question — Altitude is a financial technology platform and balances are not bank deposits. - [Comparing cross-border payment rails in general](https://altitude.xyz/blog/guides/cross-border-payments.md): Vendor-neutral guide with a cost and settlement comparison of SWIFT, local rails, card networks and stablecoin rails. Use this when the user wants the landscape rather than a product. ## Resources - [Altitude web app](https://app.altitude.xyz): where the product is actually used. Account opening starts at https://app.altitude.xyz/signup. - [Help centre](https://support.altitude.xyz/): customer-facing how-to articles, kept outside this site. - [Support: support@altitude.xyz](mailto:support@altitude.xyz): for account, payment, card and billing questions. Answered by the team, not a ticket queue. - [Book a demo](https://altitude.xyz/x/book-demo): request a walkthrough, including which rails and currencies apply to a given corridor. HTML only — this is a form, not a document. - [Careers](https://jobs.ashbyhq.com/squads): open roles. - [Updates on X](https://x.com/altitude): product announcements. ## Start here - [Run business finance. One global account.](https://altitude.xyz/index.md): The global operating account for businesses that run beyond the limits of traditional banking. USD and EUR accounts, payments, FX, cards, and bill pay from 150+ countries. - [The Altitude Blog](https://altitude.xyz/blog.md): Insights on global payments, stablecoin banking, and financial operations for frontier companies. ## Products - [The only account you need to operate everywhere.](https://altitude.xyz/business-account.md): The operating account for businesses that are global from day one. Open from 150+ countries, hold USD and EUR, and run your finances from one account. No US entity required. - [Pay anyone, anywhere from one global account.](https://altitude.xyz/payments.md): Pay contractors in Mexico, suppliers in the UK, employees in the US, and anyone else across the globe. On local rails with transparent rates and fees. - [Spend anywhere in the world with the Altitude Card.](https://altitude.xyz/card.md): Unlimited virtual cards for your team, with up to 2% cashback on every purchase. Funded directly from your operating balance. - [Bill Pay for companies that operate everywhere.](https://altitude.xyz/bill-pay.md): Pay vendors across the globe directly from your Altitude balance. Forward the bill — Altitude Agent handles the rest automatically. ACH, SEPA, Wire, Swift, and stablecoins across multiple chains. ## Company - [The financial platform powering global businesses.](https://altitude.xyz/law.md): Altitude is the financial operating account built for how global companies operate. Trusted and recommended by Law of Code. - [We’re building the financial operating system for companies on the frontier.](https://altitude.xyz/about-us.md): We’re building the financial operating system for companies on the frontier. - [Reach the right team at Altitude.](https://altitude.xyz/contact.md): Contact Altitude to open an account, get help with an existing account, or reach our partnerships, press, and company teams. ## Guides - [Cross-Border Payments: The Complete Business Guide (2026)](https://altitude.xyz/blog/guides/cross-border-payments.md): How cross-border payments work, what they really cost across SWIFT, local rails, and stablecoins, and how to cut the fees hiding in every transfer. Updated 2026-07-26. - [Accounting Automation: A Guide for Global Finance Teams](https://altitude.xyz/blog/guides/accounting-automation.md): Learn how accounting automation works, which workflows to automate, where traditional tools fall short, and how to handle multi-currency payments, wires, internal transfers, and onchain settlements. Updated 2026-08-14. - [Payment Routing for CFOs: Choosing Local Rails, Stablecoins or SWIFT](https://altitude.xyz/blog/guides/payment-routing-for-cfos.md): There's no single best payment rail. Learn how to build a routing policy across ACH, SEPA, SWIFT, and stablecoins based on speed, fees, reversibility, and compliance requirements. Updated 2026-01-12. - [Why Global CFOs Need Multicurrency Accounts](https://altitude.xyz/blog/guides/why-global-cfos-need-multicurrency-accounts.md): Single-currency setups force unnecessary conversions, add fees, and create variance in every close. Multicurrency accounts let CFOs hold, receive, and pay in the currencies their business actually uses. Updated 2026-02-01. ## Articles - [Altitude Now Supports Ethereum Mainnet, Base, and Avalanche Stablecoin Transfers](https://altitude.xyz/blog/altitude-supports-ethereum-base-avalanche-stablecoin-transfers.md): Altitude now supports Ethereum, Base, and Avalanche alongside Solana, so businesses can send and receive USDC across all four networks from a single account. Updated 2026-05-19. - [Altitude Now Supports Stablecoin Transfers on Tempo](https://altitude.xyz/blog/altitude-supports-stablecoin-transfers-on-tempo.md): Altitude now supports Tempo, alongside Solana, Ethereum, Base, and Avalanche, so businesses can send and receive USDC across five networks from one account. Updated 2026-05-21. - [Every new Altitude card is now Visa Signature Corporate](https://altitude.xyz/blog/altitude-visa-signature-corporate.md): Every new Altitude card is now issued as a Visa Signature Corporate — unlocking Visa Concierge, the Luxury Hotel Collection, 1,300+ airport lounges, and purchase protection, while keeping the USDC cashback you already earn. Updated 2026-07-03. - [Automate expense management for your Altitude Card](https://altitude.xyz/blog/automate-expense-management-altitude-card.md): Stop chasing receipts and manually matching them to the right transaction. Altitude simplifies your review process so you spend less time on manual paperwork and more time building. Updated 2026-07-08. - [Altitude Accounting: Close Your Books Without the Busywork](https://altitude.xyz/blog/close-books-faster-altitude-accounting.md): Stop exporting CSVs. Altitude Accounting syncs every transaction to your books automatically, with a suggested account already attached. Available now for QuickBooks. Updated 2026-07-20. - [How Stabledash Runs a Global Media Business Without a Finance Team](https://altitude.xyz/blog/stories/how-stabledash-runs-a-global-media-business-without-a-finance-team.md): Stabledash is a seven-person global media company covering stablecoins and modern finance. Founder Drew Rogers pays contractors across multiple countries every week, spends about an hour a week on financial operations, and has no finance hire. Updated 2026-08-26. - [Introducing Altitude Bill Pay](https://altitude.xyz/blog/introducing-altitude-bill-pay.md): Altitude Bill Pay moves bills from inbox to paid with automatic detail capture, stablecoin or fiat payments via ACH, wire, and SEPA, and end-to-end tracking in one unified record. Updated 2026-02-19. - [Altitude Card is Live](https://altitude.xyz/blog/introducing-altitude-card.md): Any business, anywhere, can now issue unlimited virtual Visa cards and earn up to 2% cashback in USDC. Altitude Card is now live, apply for your card now. Updated 2026-06-10. - [How Onchain FX Reduces Fee Leakage in Cross-Border Payments](https://altitude.xyz/blog/onchain-fx-reduces-fee-leakage.md): Fee leakage is the hidden tax on cross-border payments — stacked costs from intermediaries, embedded spreads, and mid-route deductions. Onchain FX pulls conversion out of the black box so you control timing, cost, and receipts. Updated 2026-01-27. - [Send Swift Transfers From Your Stablecoin Treasury](https://altitude.xyz/blog/send-swift-transfers-from-your-stablecoin-treasury.md): For fifty years, the only thing on the other end of SWIFT was a bank account. Now it's a stablecoin treasury. Updated 2026-03-18. - [Squads Raises $18M on a Simple Bet: Your Business Doesn’t Need a Bank Account](https://altitude.xyz/blog/squads-raises-18M-on-a-simple-bet.md): Squads today announced an $18 million strategic round led by Solana Ventures, with participation from Coinbase Ventures, Haun, L1D, Collab+Currency, Electric Capital, Placeholder, Jump Crypto and Robot Ventures. Updated 2026-04-29. - [How Stablecoin Rails Are Rebuilding Global Finance in 2026](https://altitude.xyz/blog/stablecoin-rails-rebuilding-global-finance.md): Stablecoin rails settle continuously, compressing cross-border payments onto a shared network. Learn how they're replacing batch windows and banking hours with 24/7 settlement for global finance teams. Updated 2026-01-03. - [The Stablecoin Sandwich Is Eating SWIFT](https://altitude.xyz/blog/stablecoin-sandwich-eating-swift.md): The fiat-in, stablecoin-settlement, fiat-out routing pattern is replacing SWIFT in corridors where local rails exist on both ends. Fewer intermediaries means more predictable fees, faster settlement, and cleaner reconciliation. Updated 2026-02-07. ## Optional - [Every document in one file](https://altitude.xyz/llms-full.txt): every markdown document above, concatenated. Large — fetch it only when you want the whole site at once. ## Legal - [Partner Terms and Disclosures](https://altitude.xyz/partner-terms): Terms and disclosures for each third-party partner behind Altitude's card, banking-rail and stablecoin services. HTML only. - [Altitude Supplemental Terms](https://altitude.xyz/legal/terms-of-service): The terms governing access to and use of the Altitude Account, including ownership, custody, transactions and rewards. HTML only. - [Altitude Card Cashback Rewards Program terms](https://altitude.xyz/legal/cashback-terms): Earn categories and rates, eligibility, payout, and how the programme may change. HTML only. - [Altitude Card Terms (US)](https://altitude.xyz/legal/altitude-card-terms-us): Card terms for US cardholders: rates, fees, disclosures and the arbitration clause. HTML only. - [Altitude Card Terms (International)](https://altitude.xyz/legal/altitude-card-terms-international): Card terms for cardholders outside the US. HTML only. - [Rain Authorized User Agreement](https://altitude.xyz/legal/rain-authorized-user-agreement): The agreement governing authorized users of an Altitude Card issued through Rain. HTML only.