Avvio 2.0 Is Here: One Account for a Life That Crosses Borders

Quick answer: Avvio 2.0 brings four things into one account: global accounts to get paid in USD, EUR, GBP, MXN and more, instant sending to 60+ currencies, the ability to earn on your savings and invest, and full self-custody so no one can freeze your money. It is one account for people who earn in one country, live in another, and are tired of their bank getting in the way.

If you earn across borders, you have probably stitched your money life together from too many apps. One for getting paid, another to send money home, a bank that fees you for the privilege, and nowhere that actually feels like yours. Avvio 2.0 is the answer to that mess. One account, four jobs, no bank required.

What’s new in Avvio 2.0

Avvio is the global money account for a life that does not fit in one country. Version 2.0 pulls the whole picture together: get paid, send, earn, and stay in control, all self-custody. Here is what that means, with a deeper guide behind each one.

Get paid: global accounts

Open accounts in USD, EUR, GBP, MXN, and more, and get paid like a local across 120+ countries. Clients and employers send a normal local transfer, and you keep the money in the currency you were paid in, instead of losing a slice to a forced conversion every time.

It replaces the old setup of a separate bank account in every country, or a bank that quietly converts your money at a rate it picked. For the full breakdown, see our guide to multi-currency accounts.

Send: to 60+ currencies, in seconds

Send to 60+ currencies and have it settle in seconds, across 120+ countries. No five-day wires, no fees stacking up at every bank along the way. Avvio’s cross-border payouts run 50% to 80% cheaper than traditional bank rails, so more of your money reaches the person you are sending it to.

Whether you are sending money home or paying a contractor overseas, it just moves. More on the options and the real costs in our guide on how to send money abroad.

Earn: put your money to work

Your dollars should not just sit there. With Avvio you can earn on your savings, and invest in US stocks, gold, and Bitcoin from the same account. Yield comes from clear sources, a lower-risk option backed by government bonds and treasuries, and a higher-interest option using vetted protocols, all traceable on-chain so you can see where your money is.

Avvio currently advertises savings of up to 7% APY, with rates and terms that vary by option and are shown in the app. To understand how earning on dollars works and where the yield comes from, read how to earn interest on USDC.

Safety: keep full control

Here is the part that makes Avvio different. It is self-custody, which means you hold your own money and Avvio never takes custody of it. No one can freeze it, block it, or lock you out. Access is secured with Face ID or your fingerprint, there are no seed phrases to manage, and recovery is built in if you lose your device.

If Avvio shut down tomorrow, your money would still be yours and only yours. That is the whole idea. To see how it works, read what self-custody is and why no one can freeze your money.

Avvio is a financial technology company, not a bank. Accounts, cards, custody, and yield are provided through licensed partners and protocols. Balances are not FDIC-insured. Availability and features vary by jurisdiction.

Who Avvio 2.0 is for

Avvio is built for people who live between systems. The remote worker paid by clients abroad. The expat sending money home. The entrepreneur running a business across borders. The immigrant building a life somewhere new. The digital nomad who does not have a “local” bank anymore. And anyone who has had enough of the traditional banking system deciding what they can do with their own money.

If your money crosses borders, your bank was never built for you. Avvio is.

One account. The whole world.

Get paid like a local, send in seconds, earn on your savings, and keep full control of every dollar. That is Avvio 2.0.

Join the waitlist at avvio.xyz and get a money account that moves with you.