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MXNVaultLeap alternatives: where to get paid in USD after 1 December
VaultLeap stops taking payments to its account details at the end of 30 November 2026, and its app, cards and bank payouts close on 1 December. Before then, give clients new payment details and move your funds. Vezmo gives freelancers and businesses USD account details with free ACH receiving, and invoices in the same account (early access). Among options open today, the closest are Grey and Payoneer, and Wise where it serves your address; companies can also look at Slash or Airwallex.
In this article
- 01What is happening to VaultLeap, and when?
- 02What should you do before 30 November?
- 03How did we choose and rank the alternatives?
- 04How do the VaultLeap alternatives compare?
- 05The 7 VaultLeap alternatives: Vezmo first, then by fit
- 06Which one should you pick?
- 07What if you kept your money in USDC?
- 08Where does Vezmo fit?
- 09Questions
- 10Sources
What is happening to VaultLeap, and when?
VaultLeap's closing page, last updated on 1 November 2026, says: "We've decided to close the business." It stopped opening new accounts on 1 November and gives these dates for the rest:
- Nov 12026No new accountsNo new accounts or card applications.
- Nov 302026Last day to get paid thereAccount details and crypto deposit addresses accept deposits until the end of the day. Money sent to the account details after that is returned to the sender.
- Dec 12026The app closesCards close, bank payouts stop and the VaultLeap app closes.
VaultLeap says it won't charge any closure fees. Its wallet is self-custodial: the money sits in a wallet only you control, which you can still reach with your private key after the app closes.
What should you do before 30 November?
Open the new account first, because approval takes time: identity checks, and for a company, business verification. Grey, for example, says its business verification usually takes 4–7 business days. Then work through VaultLeap's own list:
- Open your new account and wait for it to be approved
- Change the bank details on your invoices and invoice templates
- Ask every client who pays your VaultLeap account details to use your new details
- Update your payout details on any platform that pays you there
- Stop sending crypto to your VaultLeap deposit address
- Send any bank payouts well before 1 December, so they complete in time
- Remove your VaultLeap card from subscriptions and saved payment methods
- Move your funds and close your account: in the web app, Settings → Data & Privacy → Delete Account
- Export your private key and keep it somewhere safe
How did we choose and rank the alternatives?
Vezmo wrote this guide and is one of the options in it, so here is exactly how we picked them and put them in order.
We started from what VaultLeap offered, according to its pricing page and home page: USD, EUR and MXN account details, money that settled as USDC in your own wallet, and a Visa debit card, for people and small businesses in 60+ countries. We kept options that let a client pay you in US dollars, that you can apply for from outside the US, and whose fees and eligibility are published on the provider's own site. Every fact below comes from those pages, opened on 6 Nov 2026.
- Who can open it: individuals as well as companies, and how many countries it lists.
- How clients pay you: USD account details for ACH and wire.
- What it costs: the published fee to receive, and to convert into your own currency.
- Stablecoin: whether it holds USDC or USDT, as VaultLeap did.
- Open today: among the others, an option you can apply for now ranks above one in early access.
Vezmo comes first because it's ours, not because of a neutral ranking. The rest are in our order of fit for a typical VaultLeap user: a freelancer or one-person business outside the US, paid in dollars. That order isn't a measure of quality, and the right choice for you depends on your country and how your clients pay. Vezmo's accounts are in early access, so if you need a USD account before 30 November, start with one you can open today.
How do the VaultLeap alternatives compare?
The short version. Each option has its own card below, with the sources for every fact.
| Option | Who can open it | USD details | Main published fees | Stablecoin |
|---|---|---|---|---|
 Vezmo | Businesses, freelancers and sole traders; confirmed at sign-up | ACH, wire (early access) | ACH free; domestic wire $15, $10 or $5 by plan | USDC (early access) |
 Grey | Employees and freelancers in 72 listed countries | ACH, FedNow, Fedwire | ACH 0.8% ($2 to $10); Fedwire $20; converting 0% to 1% | USDC, USDT |
 Payoneer | Freelancers and businesses in 190+ countries | Local receiving details in 11 currencies | 1% into a non-local currency; 1.2% to 4% to withdraw with conversion | Rolling out to eligible businesses |
 Wise | People and businesses where Wise lets you hold money: the Philippines yes; Mexico, Kenya and Vietnam no | ACH, wire | ACH free; 6.11 USD per wire; converting from 0.23% | Not on its pricing pages |
 Slash Global USD | Companies incorporated outside the US | ACH, wire | Free plan or Pro $25 a month; no separate Global USD fees | Balance held in USDC |
| Airwallex | Businesses registered in 69 listed countries | Global Accounts in 20+ currencies | $0 or $12 per user a month; converting 0.5% to 1% above interbank | Not on its pricing page |
| A SWIFT wire to your bank | Anyone with a bank account | No: your bank's SWIFT details | Set by each bank in the chain | No |
The 7 VaultLeap alternatives: Vezmo first, then by fit
- 1
Vezmo
Early accessBest for businesses and sole traders who invoice clients directlyReceiving ACH to Vezmo USD account details is free on every plan, and invoices and payment links clients pay by card are live in the same account. USD account details are in early access. Vezmo wrote this guide.
- Who can open
- Businesses, including freelancers and sole traders working for themselves. Which account details you get is confirmed at sign-up.
- How clients pay
- Invoices and payment links paid by card, ACH, Apple Pay or Google Pay (live); USD account details for ACH and wire (early access).
- What it costs
- Receiving by ACH is free on every plan; a domestic wire costs $15 on Free, $10 on Grow and $5 on Pro. Converting and payouts are separate options; every fee is on pricing.
Watch for: Accounts are in early access, not generally available yet. If you need a new USD account before 30 November, start with an option that's open today.
- 2
Grey
Open todayBest for freelancers who want USD and stablecoin in one appThe closest match to what VaultLeap offered: a US account for individuals, USDC and USDT, and payouts in many local currencies, including Mexican and Philippine pesos.
- Who can open
- Full-time employees and freelancers in the 72 countries on its US-account list, including Mexico, the Philippines and Vietnam. Registered companies use Grey Business.
- How clients pay
- ACH, FedNow or Fedwire to your US account details. Grey also receives GBP, EUR, USDC and USDT.
- What it costs
- 0.8% per ACH or FedNow payment (minimum $2, maximum $10) and $20 per Fedwire. Converting stablecoin to USD is free; USD to most local currencies costs 1%.
Watch for: Kenya, Morocco and Algeria are on Grey's sign-up list but not on its US-account list.
- 3
Payoneer
Open todayBest for income from marketplaces and platformsMany marketplaces pay out to Payoneer, and it serves freelancers and businesses in 190+ countries and territories.
- Who can open
- Freelancers and businesses in 190+ countries and territories.
- How clients pay
- Marketplace payouts, local receiving account details in 11 currencies, or a payment request your client pays by card or ACH.
- What it costs
- Free into a receiving account in your local currency; 1% (minimum $1) into one that isn't. Withdrawing with conversion costs 1.2% to 4%. A $29.95 annual fee applies if under $6,000 arrives in 12 months.
Watch for: The fees stack when money arrives in USD and leaves in your own currency. Stablecoin is rolling out in phases to eligible business customers.
- 4
Wise
Open todayBest for the lowest conversion cost, where it serves your addressWise is hard to beat on turning dollars into your own currency, if it gives USD account details at your address.
- Who can open
- People and businesses with an address in a country where Wise lets you hold money, and not on its list of addresses that can't get USD details. As of 6 Nov 2026 the Philippines qualifies; Mexico, Kenya, Vietnam and the UAE don't.
- How clients pay
- ACH or wire to your USD account details.
- What it costs
- Account details are free on a personal account and 31 USD once on Wise Business. Receiving ACH is free; each USD wire or SWIFT payment costs 6.11 USD. Converting from 0.23%.
Watch for: Mexico, where VaultLeap offered MXN accounts, isn't on Wise's hold-money list, so Wise gives no USD details there. Check both of Wise's lists for your address before you move clients.
- 5
Slash Global USD
Open todayBest for incorporated companies that want a balance in USDCA USD account for businesses incorporated outside the US. Slash's help center says the balance is denominated in USDC, the nearest match here to VaultLeap's USDC setup, for a company.
- Who can open
- Businesses legally incorporated outside the US; Slash's help center says 100+ countries.
- How clients pay
- ACH and wire to US account details, plus USDC and USDT across 15 networks.
- What it costs
- Free plan, or Pro from $25 a month; $25 per international wire out. No separate Global USD fees on its pricing page.
Watch for: Not for individuals: you need a legally incorporated business.
- 6
Airwallex
Open todayBest for registered businesses that need many currenciesA broad business platform with Global Accounts in 20+ currencies, transfers and cards, for companies registered in the countries on its list.
- Who can open
- Businesses registered in one of 69 listed countries and territories, including Mexico, the Philippines, Vietnam, India and Brazil. The UAE, Kenya and Nigeria weren't on the list on 6 Nov 2026.
- How clients pay
- Global Accounts to collect and hold 20+ currencies.
- What it costs
- Explore $0 per user; Grow $12 per user a month plus a platform fee. Converting costs 0.5% above interbank for major currencies and 1% for others; SWIFT transfers out $15 to $25.
Watch for: Business accounts only, so it doesn't replace VaultLeap for someone working without a company.
- 7
A SWIFT wire to your own bank
Through your bankBest for large invoices from companies that already pay by wireNo new account at all: your client's bank sends an international wire straight to your bank at home, using your bank's SWIFT code.
- Who can open
- Anyone with a bank account in their own country, freelancer or company.
- How clients pay
- An international wire, sometimes through intermediary banks.
- What it costs
- The sending bank, any intermediary bank and your bank can each charge a fee, and your bank sets the exchange rate. Ask your bank for its schedule of charges.
Watch for: Fixed fees make it costly for small payments, and an intermediary bank can take its fee out of the amount.
Which one should you pick?
Start from how you work and how your clients pay:
| If you… | Look at |
|---|---|
| Invoice clients directly and want card payments too | Vezmo: invoices are live, accounts are in early access |
| Freelance or work for a foreign employer, and want USDC too | Grey, if your country is on its US-account list |
| Mostly need to convert dollars cheaply into your currency | Wise, if it serves your address (the Philippines yes, Mexico no) |
| Are paid by marketplaces and platforms | Payoneer |
| Run an incorporated company and want a USDC balance | Slash Global USD |
| Run a registered company in a country on Airwallex's list | Airwallex |
| Get a few large payments from companies each year | A SWIFT wire to your bank |
What if you kept your money in USDC?
VaultLeap settled payments as USDC in a self-custodial wallet. If you want to keep part of your income in stablecoin, Vezmo keeps USDC on Base and Solana in your business's own wallet (early access), and three other options above hold it: Grey (USDC and USDT, converted to USD at no fee), Slash Global USD (a balance held in USDC, for companies) and Payoneer (rolling out in phases to eligible business customers).
When you move USDC out of your VaultLeap wallet, send it only to an address on the same network, and try a small amount first. A transfer on the wrong network may not be recoverable. See how to convert USDC to USD for the ways to turn it into dollars.
Where does Vezmo fit?
Vezmo is a financial technology company, not a bank. Banking, stablecoin and card services are provided by regulated partners & Banks, and how money is held explains the setup.
- Live today: VezmoPay invoices and payment links that clients pay by card, ACH, Apple Pay or Google Pay. Card payments start at 2.79% + $0.29 (VezmoPay pricing).
- In early access: USD account details for ACH and wire, AED, EUR, GBP and SGD accounts, and payouts. Which details your business gets is confirmed at sign-up.
- Fees: from Vezmo's pricing page, the USD account is free and receiving by ACH is free on every plan. A domestic wire costs $15 on Free, $10 on Grow and $5 on Pro. Currency conversion and payouts are separate options with their own fees on the same page. On Free, a $15 upkeep fee applies only in a quarter when the account is quiet.
- Not yet: accounts aren't generally available. If you need a USD account before 30 November, pick an option that is open today, and add Vezmo later if it fits.
Read more about getting paid as a freelancer by clients abroad.
Questions
When does VaultLeap close?
VaultLeap's closing page says its account details and crypto deposit addresses accept deposits until the end of the day on 30 November 2026. On 1 December its cards close, bank payouts stop and the app closes. It stopped opening new accounts on 1 November.
What happens to a payment sent to my VaultLeap account details after 30 November?
VaultLeap says it will be returned to the sender. Crypto sent to your VaultLeap deposit address after 30 November may not be recoverable, so switch your payment details early.
Does VaultLeap charge a fee to close my account?
No. Its closing page says VaultLeap won't charge any closure fees.
What if I don't move my balance by 1 December?
VaultLeap says it will contact you to help you move it. Because the wallet is self-custodial, the funds stay in your wallet and you can reach them with your private key, so export the key and keep it safe.
Which VaultLeap alternative works without a company?
Vezmo accepts freelancers and sole traders working for themselves, in early access. Grey's US account is for full-time employees and freelancers in its listed countries. Wise gives USD details to people as well as businesses, but only at addresses in countries where it lets you hold money: the Philippines yes; Mexico, Kenya and Vietnam no. Slash Global USD and Airwallex need a registered business.
Which alternative also holds stablecoin?
Vezmo keeps USDC on Base and Solana in your business's own wallet (early access). Grey holds USDC and USDT, Slash Global USD keeps its balance in USDC for companies, and Payoneer is rolling out USDC and USDT to eligible business customers in phases.
Is Vezmo a bank?
No. Vezmo is a financial technology company, not a bank. Banking, stablecoin and card services are provided by regulated partners & Banks.
Sources
Each one is the organization’s own page, checked 6 Nov 2026. Rules and fees change, so check them before you act.
- VaultLeap: VaultLeap is closing (last updated 1 Nov 2026)
- VaultLeap: Pricing
- Grey help: Why can't I request a US account?
- Grey help: Why can't I create a Grey account?
- Grey help: Deposit fees (USD)
- Grey help: Conversion fees
- Grey help: What currencies are supported on Grey?
- Grey Business: What is Grey Business and who is it for?
- Wise: Can I get USD account details?
- Wise: Business pricing (US)
- Wise: Receive money pricing (US)
- Payoneer: Pricing (page dated 1 Jan 2026)
- Payoneer: Stablecoin
- Slash help: What's the Slash Global USD Account?
- Slash: Pricing
- Airwallex: Eligible countries and territories
- Airwallex: Pricing (US)
- VaultLeap: Home page
- Wise: Where do I need to live to hold money with Wise?
- Payoneer: Receive payments
Vezmo is a financial technology company, not a bank. Banking, stablecoin and card services are provided by regulated partners & Banks. Last reviewed 7 Nov 2026.