Ogvio provides a self‑custodial, US‑style bank account that can be opened from anywhere without a SSN, supporting ACH, SEPA, Faster Payments, AED and crypto deposits that are converted to USDC with same‑day settlement.
Funding
Funding not disclosed
Founders
Product
Problem
Freelancers, digital creators, and remote businesses often receive payments through multiple channels—ACH, SEPA, Faster Payments, and various crypto networks—causing fragmented accounting, unexpected fees, and the risk of account freezes by traditional banks.
Solution
Ogvio offers a self‑custodial, US‑style bank account that can be opened from anywhere without a Social Security Number or US residency. The account supports ACH, SEPA, UK Faster Payments, AED, and crypto deposits, converting incoming funds to USDC on the same day. Each incoming payment is automatically classified by source and type, providing instant bookkeeping and reducing compliance flags. Because the wallet is self‑custodial, users retain full control of their private keys, preventing any third party from freezing or seizing funds. Transactions are fee‑free, and the platform provides same‑day settlement and the ability to cash out into over 30 local currencies. Additionally, idle USDC can earn yield through the platform’s Simple Earn feature.
Target Audience
Primary users are freelancers, solo founders, digital creators, and remote‑earned businesses that receive cross‑border payments in fiat and crypto.
Features
- Real US routing number and account details for ACH, plus SEPA IBAN, UK Faster Payments, and AED accounts for global inbound payments
- Crypto support on any chain, automatically converting deposits to USDC with same‑day settlement
- Automatic classification and tagging of every deposit by source, type, and pattern for instant bookkeeping
- Self‑custodial wallet architecture using Privy, ensuring users retain private keys and cannot be frozen or seized
- Zero transaction fees and transparent pricing; no subscription or monthly plans
- Ability to cash out USDC into 33 local fiat currencies, including emerging markets
- Yield generation on idle USDC through the Simple Earn product