Questions, answered.
How it works
What kind of returns can I earn?
Pass holders can earn up to 5.5% a year on their balance. Your money earns yield from a diversified mix of regulated, institutional sources — short-term US Treasury bills, institutional credit, and similar instruments selected for safety and liquidity. We share most of that yield with you and keep a small spread to run the company. Crossing only makes money if you make money — we're otherwise a free service. No monthly fees, no charges to add or withdraw your money.
Where is my money held?
Your cash sits in your own personal account — yours alone. Crossing is not a bank. We do not pool customer money on our balance sheet to then lend it out like banks do. This is a deliberate design choice and a key part of our regulatory position: we help you grow your cash savings, and never hold it as our own.
How is my balance protected?
We provide protection of up to $10,000 per account. The first layer is a dedicated reserve we maintain to cover routine claims, with settlement within 24 hours. The second layer is institutional cover for larger or more complex events. Both layers are documented as part of our regulatory submission.
Are there any lock-ups, minimums, or fees?
No lock-ups, no minimum balance, no monthly fees, no salary transfer. The rate of return on your cash is yours alone from day one.
Trust and protection
Is Crossing regulated?
We are applying for a license with the Financial Services Commission of Mauritius. Most savings products are tied to a single country. To use them you have to live there, and open a new account when you move. Mauritius is one of the few jurisdictions whose regulatory framework lets us serve customers across the countries and corridors we care about. Our launch is tied to the license being granted. We will not open the product to any customers before the license is in place.
What happens if Crossing fails as a company?
Because Crossing doesn't hold your money on our own balance sheet, your funds aren't exposed to our corporate risk. If the company were to wind down, the protection mechanisms above would settle any outstanding claims, and the structure is designed so that your balance can be returned to you regardless of what happens to Crossing as a business.
Practical
When does Crossing open?
We are working through the regulatory process and will announce a launch date once the licence is granted. Crossing Pass holders are the first to know — you'll get an email the moment we have a date.
What is the Crossing Pass?
The Crossing Pass is your reserved place when we open. Pass holders get access ahead of the public launch, and the ability to climb the queue by referring friends. Signing up costs nothing.
What currency does Crossing use?
Your balance is held in US dollars. You can add money in the local currency of any supported country — we handle the conversion at competitive rates.
Will there be a card?
Yes. A Crossing Card — virtual first, physical to follow — will be available shortly after launch, letting you spend your balance directly anywhere Visa or Mastercard is accepted. Pass holders get the card first.
I have a question that isn't here.
Email us at hello@getcrossing.com.
Regulated. Protected. Coming soon.