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ZAR is a USD wallet that lets you save and spend in digital dollars. You can hold dollars, pay anyone in the app, receive bank transfers in USD, and spend globally with a ZAR Visa payment card accepted at over 150 million merchants in‑store and online. If you need to move money back to your country, you can also send money to your local bank account from ZAR.

Your money is held as digital dollars issued by Circle in the United States. Circle is the world’s leading issuer of regulated stablecoins. Circle publishes regular attestations and maintains transparent reserves. Otherwise, ZAR app uses bank‑grade encryption, device security checks, and account safeguards like PIN/biometrics and recovery options if your phone is lost or stolen.

Yes. ZAR supports 100+ countries and we’re gradually rolling out features market by market. Some features (like cards or bank transfers) may vary based on local regulations. The app will show exactly what’s available for you today and what’s coming soon.

You can get virtual and physical Visa payment cards. They work for local and international purchases anywhere Visa is accepted—online and in stores—and can help you save on typical foreign or international transaction costs.

You have three easy options: 1. Bank transfers (USD in): Use your ZAR virtual USD bank account details to receive USD transfers from around the world. 2. Cash to digital dollars: Visit a ZAR merchant in your city, hand over cash, and receive dollars in your wallet instantly. 3. From crypto exchanges/wallets: We also accept stablecoin deposits from major exchanges or wallet platforms.

There’s no fee to open a wallet, and virtual Visa cards are currently free. Physical cards are coming soon and may include fees depending on your country. Bank transfer fees (sending or receiving) depend on method and country. Where a fee applies, it’s shown clearly in‑app before you confirm.