A USD account you actually own
Hold, send and receive US dollars from a wallet where the keys never leave your device. Top up via SWIFT, SEPA or crypto rails, and spend every day with a virtual card — all in one clean, bank-style app.
Keys stay on your device. Regulated payment services are provided by authorized partners where required.
A USD account that feels effortless.
Three core experiences, designed around control, clarity and everyday use.
Self-hosted by design
Your USD account is self-hosted. Private keys remain on the user's device, not on Credium servers.
Spend like a normal account
Use a virtual card for daily payments, with your wallet balance used as collateral where supported by authorized partners.
SWIFT, SEPA and crypto rails
Top up and send US dollars through ordinary banking rails or crypto, all settling into one clean USD balance.
Own your money. Keep control.
Credium is built around a simple principle: your money should move with you, without giving a single custodian absolute control. With a self-hosted wallet, your keys remain on your device, while regulated services connect through authorized partners where required.
Daily spending, powered by your wallet
Turn your wallet balance into real-world payment utility with a virtual card experience designed for everyday purchases.
- Authorize eligible transactions using wallet balance as collateral
- Track payments instantly from the Credium app
- Designed for everyday spending
Three ways in. One USD balance.
Top up and move dollars through familiar banking rails or via crypto. Everything settles into a single, clean USD account.
Credium presents a simple USD account experience. Regulated payment, card and conversion services are provided by licensed third-party partners in the jurisdictions where those services are made available.
Four steps to get moving.
Built for control, privacy and responsible access.
Be first to experience Credium
A self-hosted wallet experience for people who want control, flexibility and everyday spendability.