VaultLeap offers USD, EUR and MXN accounts and a Visa debit card for freelancers. $0 monthly fees; transfer fees from 0.75%; Pro is $14.99/month.
Researched and fact-checked by Bartu Cavusoglu · Updated October 26, 2026
VaultLeap is a financial technology app from Klydo Inc. that gives freelancers and one-person businesses virtual accounts in USD, EUR and MXN, along with a Visa debit card. The accounts carry real ACH routing numbers, IBANs and CLABE details, so clients can pay by ACH, wire, SEPA or SPEI. Incoming money settles as USDC, which users can hold, spend or convert.
VaultLeap is not a bank. Its disclosures say banking and payment services come from regulated partner institutions, that Lead Bank issues the card, and that Bridge Ventures LLC acts as program manager. The company also states it does not hold or have custody of customer funds. Buyers should read these disclosures before moving significant balances.
The site describes a three-step flow. Money lands in a USD, EUR or MXN account from anywhere, using real routing, IBAN or CLABE details. It then settles as USDC, described as instant and borderless with no bank holds. Finally, the user taps the Visa card or converts the balance to fiat, whichever suits the situation.
The Gusto guide shows the process in practice. A user opens an account, enters the VaultLeap routing and account number under Payment Method and Direct Deposit in Gusto, and receives payroll as domestic ACH. Fiat auto-converts to USDC, and USDC converts back to fiat on demand. The user can then spend by card or withdraw to a local bank.
The core package is multi-currency accounts, a Visa debit card and unlimited transfers over ACH, wire, SEPA, SPEI and onchain rails on every tier. The card has no monthly fee, and the company says it charges no international transaction fees on card use. The homepage mentions card use in 27 countries, while the pricing page lists wider availability for accounts.
Beyond payments, VaultLeap offers a yield feature powered by Morpho, with a variable APY that is not guaranteed and not FDIC insured. A points system sets the tier, with a 5,000-point card activation bonus and streak multipliers of 1.5x to 2x. QuickBooks sync is listed on the Zero tier, and Pro includes free Money Clock shipping.
VaultLeap is a financial technology app from Klydo Inc. that offers virtual USD, EUR and MXN accounts and a Visa debit card. Incoming payments settle as USDC. It is aimed at freelancers and one-person businesses.
Monthly and card fees are $0. A transfer fee of 0.75% applies on Standard, 0.45% on Pro and 0% on Zero for money entering or leaving the account. Pro costs $14.99 per month, and FX conversions carry a ~0.5% partner fee.
No. The company states it is a financial technology company, not a bank, and does not hold or have custody of customer funds. The Visa card is issued by Lead Bank, with Bridge Ventures LLC as program manager.
Yes. The Standard tier is the default and has no requirements or monthly fee. It includes the Visa debit card, the three currency accounts and unlimited transfers, with a 0.75% transfer fee.
Yes. Add your VaultLeap routing and account number under Payment Method, then Direct Deposit, in Gusto. Payroll arrives as domestic ACH and fiat auto-converts to USDC.
The pricing page says eligibility is based on your registered entity, not your location. If you have a US LLC or US bank account, you can apply. The Gusto page says no US residency or SSN is required.
The tier depends on monthly card spend: $1K or more gives Pro and $4K or more gives Zero. The tier updates automatically every 30 days. Pro can also be bought for $14.99 per month.
QuickBooks sync is listed as a feature of the Zero tier. The site also names Gusto, Upwork, Wise, Airbnb and Patreon as payment sources.