Your dollars come from Circle — a US-regulated public company on the NYSE. Full reserve backing. Transparent holdings. Every dollar in ZAR is backed by real reserves.

Yes. Take out to your bank in 70+ countries. You can also send to someone else's bank in most countries we support.

ZAR works with licensed partners to stay compliant in every market. We follow local rules and global best practices for preventing money laundering and financial crime.

Depends on local rules. In countries with capital controls — like Pakistan — your dollars stay in-country. But you can still hold dollars, trade locally, and spend with your Visa card at 150 million+ merchants worldwide. Check the app for your limits.

Free to download. Free to give dollars within ZAR. Free virtual Visa card. Other fees vary by market — you'll see them in the app before you confirm.