Individual account terms

Accounts and currencies

Your account includes local receiving details in six currencies. Incoming funds are converted to stablecoins and held as a stablecoin balance.

Receiving money

Who can send funds to your receiving details depends on the sender and the currency.

• * Receiving BRL requires a Brazilian CPF. Without a CPF, BRL receiving is not available — BRL payouts still are.
• Limited — small transfers only; exact thresholds are shown in your account.
• On request — enabled case by case; contact support.

Sending money

Payouts work the same way in every currency:

• To any bank account — your own, another person's, or a company's, in all six currencies
• To external crypto wallets on supported networks

Fiat payouts always go to a bank account. Your Localbridge balance is held in stablecoins — receiving details cannot hold a fiat balance.

Stablecoins and conversion

Balances are held in stablecoins. You can convert between currencies through stablecoin routes at your plan's conversion fee.

In the European Economic Area, balances can be held in USDC and EURC only.

Verification and limits

Every individual completes KYC identity verification before transacting.

Transaction limits depend on your verification tier. Basic verification covers everyday amounts; a full ID verification raises them. Your exact limits are shown during onboarding and in your account.

Eligibility and personal use

Individual accounts are available to people aged 18 or over in most countries; the supported-country list is confirmed during signup.

Individual accounts are for personal use only: receiving your salary, freelance income, or marketplace earnings, and managing your own money. Commercial activity — selling goods or services, invoicing customers, or processing payments for others — requires a Business plan.