USD Virtual Accounts Are Here
Until now, getting money into Solid meant crypto.
That worked for people who already lived onchain. You bridged in, you deposited, you started earning. But it left out the most ordinary thing most people do with money: getting paid.
Today that changes.
Virtual Accounts are launching on Solid. You can now receive money the same way you would into any account you already use, with your own account details, in your name, inside Solid.
What this actually means
When you open Solid and tap Deposit, you now have two ways to add money:
- Crypto. Send funds from any wallet or exchange, the way you always have.
- Bank account. Get your own account details and receive money directly from anyone.
That second option is the new one, and it is a big one.
After a quick identity check, Solid issues you a set of account details in your name: an account number and routing number you can share with anyone who needs to pay you. A client. An employer. A marketplace. A friend sending money across borders. The details are permanently yours, so you share them once and keep using the same ones for every payment after that.
They work with both ACH and wire, the two ways money already moves between bank accounts. The money lands in your account details, converts into a dollar stablecoin called soUSD automatically, and arrives in your Solid wallet. From there, you can choose to use Solid's other features with it.
You do not touch crypto to make it work. You just share your details and get paid.
The line between DeFi and everyday money is disappearing
For years, onchain finance and real-world money lived in separate worlds. You earned yield in one place and got paid in another, and crossing between them meant bridges, exchanges, conversions, and a fee at every step.
Virtual Accounts close that gap.
The dollars an employer or client sends over an ordinary bank transfer now land in your Solid wallet. No conversion ritual. No second app. No explaining to anyone what a blockchain is. The rails people already use to get paid and the tools you use to manage it live in the same app.
That is the quiet shift worth naming. You no longer have to choose between the familiarity of a bank account and the flexibility of onchain tools. You get both, in one place, and the machinery stays out of your way.
Solid is now where your money can live
Solid started as a way to earn on the crypto you already held. With Virtual Accounts, it becomes the place your money can actually live. Receiving is a Virtual Account feature. Growing your balance with Solid Savings and spending with the Solid card are separate features you can choose to use.
Get paid into Solid with a Virtual Account. Separately, Solid Savings lets you earn up to 6% on your balance, the Solid card lets you spend anywhere Visa is accepted, and Solid Rewards is on the way. Each is its own feature, and you choose which to use.
Solid Savings, soUSD, your wallet balance, and any yield are not deposits and are not FDIC insured. FDIC insurance applies only to eligible deposits held at SSB, Member FDIC.
And receiving costs nothing. There is no fee to open or hold your account details, no fee to receive money, and no conversion spread. The full amount someone sends is the amount that lands in your wallet.
Built for people who get paid from anywhere
If you are a remote worker, a freelancer, or anyone earning across borders, you already know the friction. Clients on one platform, payouts on another, fees at every step, days of waiting, and a different set of rules in every country.
Virtual Accounts remove most of that.
Share one set of account details. Receive payment directly. Money sent by wire can arrive the same business day, and bank transfers usually clear within a few. It lands in your Solid wallet, ready for you to use. Whether it is your salary, an invoice, or whatever you are building income from, it goes straight into Solid.
How it works
- Open Solid and tap Deposit, then Bank account.
- Verify your identity. A standard one-time ID check, required to issue account details in your name. If you already verified for your Solid card, you are ready to go.
- Get your account details. Your account number and routing number, ready to share.
- Share them and get paid. Anyone can send money to your details by ACH or wire.
- Money arrives. Incoming funds convert to soUSD and land in your Solid wallet.
What stays true
Solid is still non-custodial. Once your money settles into your Solid wallet, you hold it. We cannot freeze it, lock it, or move it without you. The fiat side is handled by our partner Rain and its licensed providers, with banking services provided by SSB, Member FDIC, and everything that lands in your wallet stays in the account only you control.
Nothing about how your savings work changes. Virtual Accounts simply give your money a new front door.
Availability
Virtual Accounts are available to verified users across most of the world. They require identity verification and are not available in a number of restricted countries, and in some US states. Your Solid card is accepted wherever Visa is accepted. Card acceptance and Virtual Account availability follow separate lists. You can check the full, current list any time here.
Get started
If you already use Solid, open the app, head to Deposit, and tap Bank account to set up your details.
New here? Download Solid, create your account, and get an account that receives, earns, and spends from day one.
Solid is a financial technology company, not a bank. Banking services are provided by SSB, Member FDIC. Funds deposited at SSB are eligible for FDIC insurance up to $250,000 per depositor, per insured bank, subject to applicable limitations and FDIC rules. Virtual Accounts are powered by Rain and provided through licensed third-party providers. soUSD, your Solid wallet balance, and any yield are not deposits, are not held at SSB, and are not FDIC insured. Account details are issued after identity verification and availability varies by location. Yield is variable and not guaranteed. See our Risk Disclosure for full details.