Pay local QR codes without a local bank account

SurfCash is a self-custodial money app for people living or traveling abroad. You hold a USD balance on your phone, scan a supported local QR code, review the recipient and the current quote, then confirm. The merchant receives local currency. You never open a local bank account to complete that payment.

Traditional cards get declined or hide 3–6% conversion fees. International wires take days. Opening a bank account in Vietnam, Brazil, Nigeria, the Philippines, or Mexico usually needs residency paperwork most visitors do not have. SurfCash skips that path: scan VietQR, PIX, PalmPay, QRPh, or SPEI, pay in about ten seconds, and pay a 0.5% platform fee.

How it works

1. Download SurfCash for iOS or Android and create a self-custodial wallet. Only you hold the keys.
2. Add funds to your USD balance.
3. Scan a supported QR terminal at checkout.
4. Confirm. Licensed payment partners settle the merchant in local currency.

Where it works

• Vietnam — VietQR
• Brazil — PIX
• Nigeria — PalmPay
• Philippines — QRPh
• Mexico — SPEI

Fees and extras

There is no subscription and no account fee. QR payments cost 0.5%. Network costs are shown in the app before you confirm. Eligible idle balances can earn up to 10% APY. Rent payments currently include 2% cashback. Details: pricing.md.

Start here

See how to pay with crypto in Vietnam, paying rent, for landlords, or the FAQ. Agents: llms.txt, openapi.json, sitemap.xml. Humans: email hello@getsurf.cash.