CrediumCredium
The first self-hosted USD wallet

CrediumA 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.

9:41
Credium
USD account · Self-hosted
$12,480.32
Keys on device
Send
Receive
Top-up
Card
Transactions
USD
Incoming transfer
SWIFT · Acme Corp · Today
+$3,200.00
Card payment
Blue Bottle Coffee · Today
−$4.80
Incoming transfer
SEPA · M. Rossi · Yesterday
+$1,140.00
Outgoing transfer
SWIFT · Invoice 2041 · Yesterday
−$820.00
Top-up
Crypto rail · BTC · Mon
+$500.00
Card payment
Uber · Mon
−$18.40
Product

A USD account that feels effortless.

Three core experiences, designed around control, clarity and everyday use.

9:41
Credium
USD account · Self-hosted
$12,480.32
Keys on device
Send
Receive
Top-up
Card
Transactions
USD
Incoming transfer
SWIFT · Acme Corp · Today
+$3,200.00
Card payment
Blue Bottle Coffee · Today
−$4.80
Incoming transfer
SEPA · M. Rossi · Yesterday
+$1,140.00
Outgoing transfer
SWIFT · Invoice 2041 · Yesterday
−$820.00
Top-up
Crypto rail · BTC · Mon
+$500.00
Card payment
Uber · Mon
−$18.40
9:41
Credium
Send & Receive · USD
Method
Amount (USD)
$ 250.00
SWIFT
Receive details
BIC •• CRDMUS33 · acct •• 4821
Settled in USD · via authorized partners
9:41
Credium
Virtual Card
Credium
•••• •••• •••• 0042
Cardholder
TESTER · DEMO
Self-hosted
KEYS ON DEVICE
Spending power
Linked to wallet collateral
Coffee
Just now · Authorized
−$4.80
Authorized

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.

Self-hosted

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.

No private-key custody
No centralized wallet lock-in
Designed for global value movement
User-controlled access
Keys never leave your device
End-to-end user controlled
Credium
•••• •••• •••• 0042
Cardholder
DEMO USER
Self-hosted
KEYS ON DEVICE
Virtual Card

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
  • Availability subject to partner terms and jurisdiction
USD rails

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.

Step 1
User Wallet
Self-hosted, on-device
Step 2
Credium App
Unified interface
Step 3
Partner Rails
Authorized providers
Step 4
Recipient
Anywhere supported
SWIFT
International USD wires
Receive and send USD globally via authorized partners.
SEPA
Euro-area transfers, settled in USD
Move funds across Europe through partner rails.
Crypto
On-chain top-up to USD
Use crypto rails as a funding method — the app stays USD.

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.

How it works

Four steps to get moving.

01
Create your self-hosted wallet
Keys are generated and stored on the user's device.
02
Top up your USD account
Receive US dollars via SWIFT, SEPA or crypto rails through authorized partners.
03
Manage one clean USD balance
View, send and organize dollars from a single bank-style interface.
04
Spend with a virtual card
Use eligible wallet balance as collateral for daily card transactions, where available.
Security & trust

Built for control, privacy and responsible access.

Self-hosted keys
Operated according to applicable terms and jurisdictions.
Device-first wallet access
Operated according to applicable terms and jurisdictions.
No digital asset custody
Operated according to applicable terms and jurisdictions.
Partner-led regulated services
Operated according to applicable terms and jurisdictions.
Clear transaction visibility
Operated according to applicable terms and jurisdictions.
Jurisdiction-aware availability
Operated according to applicable terms and jurisdictions.
Early access

Be first to experience Credium

A self-hosted wallet experience for people who want control, flexibility and everyday spendability.

FAQ

Frequently asked.

No. Credium wallets are designed to be self-hosted. Private keys remain on the user's device and Credium does not custody funds.
Credium presents a single USD account experience. Balances, transactions and the card are denominated in US dollars.
You can fund your account through SWIFT international wires, SEPA transfers or by using crypto rails as a top-up method, all via authorized third-party partners where available.
The virtual card experience is designed to allow eligible USD transactions to be authorized using your wallet balance as collateral, subject to partner terms, jurisdiction and availability.
No. Credium uses crypto only as one of the funding rails. The app itself is a self-hosted USD account — it does not market itself as a crypto wallet and does not offer custody of digital assets.
No. Availability may vary by country, partner coverage, eligibility checks and applicable regulation.