A US account for a business that operates outside it.
Without a US account, every payment from a US customer is treated as an international wire. Fees are deducted along the way, settlement takes longer, and the final amount is often unclear until it arrives. A US account removes that complexity entirely.
- $10 to $25
- Deducted by each correspondent bank in the chain, with a day added at every stop.
- 0-2 Business Days
- Convert USD and settle funds to your local operating account when you choose.
Hold dollars in the United States.Settle where you operate.
A US account in your company's name.
The account and routing number are issued to your business. Share them with your customers the way any US supplier would.
Domestic settlement from US customers.
Hold USD working capital in the United States and make it available to disburse to suppliers and partners on demand.
Conversion and settlement on your schedule.
Convert to your local currency and settle to your operating account whenever you direct it, with the rate and total cost confirmed before funds move.
Dollar liquidity, fully in your control.
Balances stay in USD in the United States until you decide otherwise, available to disburse to suppliers, partners, and your own entities on demand.
Built for businesses with USrevenue and costs somewhere else.
- Step 1
We open your account.
Grain issues a US virtual account to your business, with its own account and routing number.
- Step 2
Your customers settle domestically.
Provide the receiving details on your invoices. Payments arrive as a domestic ACH or wire, in dollars.
- Step 3
You hold it or you convert it.
Keep the balance in USD, disburse from it, or convert and settle to your local operating account in 0 to 1 business days.
Who is it for
Suppliers and exporters invoicing US customers.
Bill in dollars, collect domestically, and stop absorbing the cost of the inbound wire.
Companies distributing across markets.
Collect centrally in the United States, then fund entities, suppliers, and partners in their local currency.
Businesses holding dollars deliberately.
Maintain USD working capital in the US to match dollar revenue with dollar-denominated costs, creating a natural hedge without relying on costly FX derivatives.
