Zold Reference
Supported countries
Who can open an account, and where money can be sent.
Two separate questions with two separate answers: where you can live to hold an account, and where you can send money to.
Holding an account
Decided at sign-up from your country of residence, your citizenships and the US-person question.
| You | Account |
|---|---|
| Resident in the EU, EEA, UK or Switzerland | Full account: IBAN, euro balance, payments; card eligibility where the card issuer serves the region |
| Resident elsewhere, in a country our euro issuer serves | Account with IBAN, euro balance and payments; no card |
| Resident in India | Not open yet. Indian residents will be served through a collections partner rather than an on-chain euro account, because holding foreign currency on-chain is restricted under FEMA |
| US citizen, Green Card holder or US tax resident, wherever you live; resident of a US territory | Not available |
| Resident or citizen of Iran, North Korea, Syria, Cuba, Russia or Belarus | Not available |
| Resident of a country no partner serves | Not available; the app says only that Zold cannot offer an account there |
Companies answer the same questions for the entity: where it is incorporated, and whether any owner of 25% or more is a US person.
The list of countries our euro issuer serves is theirs and changes on their timetable. The app checks it at sign-up.
Sending money
| Destination | Method | Currency | Status |
|---|---|---|---|
| Any SEPA country | Bank transfer to an IBAN | EUR | Open |
| Kenya | Cash pickup at a MoneyGram agent | KES | Open |
| Kenya | M-Pesa account | KES | Not yet fully live |
| United States | ACH / wire from your USD account | USD | Opening soon, through Bridge |
| United Kingdom | Faster Payments | GBP | Not yet fully live |
| Switzerland | Swiss IBAN | CHF | Not yet fully live |
| Nigeria | NIP bank transfer (NUBAN) | NGN | Not yet fully live |
| India | Bank or wallet payout, partner to be contracted | INR | Not yet fully live |
The send flow shows only destinations that are open. Nothing on that list is a promise of a corridor that has not moved money.