A2A Global
Tap or scan
A neighbor you trust shares a link or a QR. Open it on your phone — no branch, no appointment.
The American Dream Account
One account. Two countries. $0 to send home.
Washington Heights → Santo Domingo
A US account and debit card for you, and a linked card for your family back home. They spend what you send — no fees, no lines, no waiting. Launching in New York first.
How much do you lose sending money home?
You lose
$180
a year
$900 in five years
With A2A: $0
$0 transfer fee to your family's linked card. An exchange-rate margin may apply when the card is used abroad. Eligibility conditions apply.
Fees: World Bank Remittance Prices Worldwide, Q3 2025 — {country} average {fee}. The cash toggle adds the 1% federal excise tax on cash-funded transfers in force since Jan 1, 2026.
How it works
Verify with your ITIN or passport
The account is designed for people with an ITIN or a passport. Final requirements are set by the partner bank.
Your card in your phone in minutes
Once approved, a virtual debit card lands in your phone wallet. The plastic follows by post.
The remittance doesn't get cheaper. It disappears.
You hold the account in the US. Your family carries a linked card back home and spends the balance directly — no wire, no pickup counter, no waiting.
- Their card is in their phone the same day once approved; the plastic follows by courier.
- You set the limits and see every purchase.
- $0 transfer fee — it's your own account. An exchange-rate margin may apply when the card is used abroad.
Keep 100% of your tips.
For those who work while America sleeps.
In many states, the card-processing fee comes out of your tip. When a guest pays with an A2A card, we plan to hand that fee back to you on payday — and when you both have A2A accounts, the tip moves at $0. Planned for the New York launch.
Choose your card
Concepts — the final designs need partner-bank and network approval. Tap the one you'd carry.
Questions
Is A2A a bank?
No. A2A Global is a financial technology company. Accounts and cards will be provided by a partner bank — we'll name it before launch.
Do I need a Social Security number?
The account is designed for people with an ITIN or a passport. Final requirements are set by the partner bank.
Is sending home really $0?
Transfers to your family's linked card have a $0 fee — it's your own account. When the card is used abroad, an exchange-rate margin may apply. Eligibility conditions apply.
How does my family get the money?
They verify themselves by link, get a card in their phone the same day once approved, and the plastic follows by courier. They spend directly; you set the limits.
Can they take out cash?
Planned, with limits. Cash-out may carry a fee.
When and where?
New York first. The list hears first.
What does it cost?
Planned: no monthly fee for members who meet the account conditions. Full pricing at launch.
What's the 1% tax?
Since Jan 1, 2026, cash-funded transfers abroad carry a 1% federal excise tax. Transfers funded from a US account or card are exempt.
What happens to my information?
Only what you give us, only to contact you about the launch. Never sold. Deleted on request.
Cut hair, drive, run a bodega, prepare taxes?
Earn $20 for every account you help open.
You share a link or a QR and have a conversation. No cash handling, no paperwork, no forms for your customers — they open the account themselves on their phone. We pay when the account is funded and active.