Africa’s AI-powered financial system for USD, EUR, and local currencies
Meet Ozer AI.
The proprietary AI built by Aset Group Limited to power transactions and operations within AsetLayer. Automate your finance with AI on WhatsApp.
Intelligent Ledger Management
Automatically track, reconcile, and settle cross-border transactions in real-time with Ozer.
Global Payment Rails
Accept EUR, GBP, and NGN payments via simple AI-generated links that settle instantly in USD.
Payment Link Created
pay.asetlayer.com/sarah/250
Transaction
Link Generated
A USD bank account.
In your name.
Stop struggling with limits. We provide a fully functioning US virtual account so you can receive global payments directly, exactly like a US resident.
Set Up Your AccountACH Transfers
Accept domestic US payments directly from clients, platforms, or employers without any hidden fees.
Wire Transfers
Receive high-value international wires securely and limit-free directly into your USD balance.
FedNow Payments
Receive instant, 24/7 USD deposits directly to your virtual account using the FedNow network.
Create multiple
dollar cards.
Create instant virtual dollar cards for your online subscriptions, marketing ad spend, and international shopping. They work globally wherever major cards are accepted.
Dedicated Spending
Generate a specific card just for AWS or Netflix. Protect your main balance from unwanted charges.
Spend Anywhere
Payments succeed perfectly on Apple Music, Spotify, Upwork, standard e-commerce, and global brands.
Agentic Money Movement.
The next evolution of global finance. A conversational USD money layer that understands your commands naturally.
Instant Account Issuance
Create a US-based virtual USD account with a simple chat command. Instantly begin receiving ACH and wire payments globally, completely bypassing local bank hurdles.
Command-Driven Transfers
Just say "Send 50k to my friend". The AI resolves the recipient instantly, processes the transfer from your Naira ledger, and settles it with zero hassle.
Multi-Currency Checkout
Sell globally. Buyers pay with cards in any currency (NGN, EUR, GBP); AsetLayer handles dynamic FX calculation at checkout and settles everything instantly in USD.
Smart Virtual Cards
Instruct Ozer to spin up dedicated virtual cards for SaaS, advertising, or online shopping. Spend your USD balance worldwide with zero artificial limits.
Who We Serve.
A single, borderless dollar framework designed to hold, send, and acquire international capital with absolute efficiency.
Global Freelancers
Hold client earnings natively in USD. Settle Upwork and Fiverr balances via direct ACH and Wire transfers with zero intermediate banking delays.
Digital Creators
Retain 100% of platform advertising revenues and global sponsorships. Bypass mandatory FX conversions and hold foreign currencies natively.
Remote Professionals
Accept salary wires issued under your exact legal name. Seamlessly integrate with global payroll networks like Deel and Remote.
Social Merchants
Accept card payments globally via link checkout. Automatically settle transactions in USD, insulating your business from local FX fluctuations.
Frequently Asked Questions
Find clear, direct answers about our USD money layer, virtual cards, and Ozer AI.
AsetLayer is a USD-first money network for African creators, remote talent, and operators. It lets you receive dollars globally via ACH, Wire, and FedNow, spin up virtual dollar cards, manage local currency assets (e.g. Nigerian Naira), and send USD instantly to other users with zero fees.
No, AsetLayer is not a bank. We are a USD-native financial infrastructure network. We partner with regulated US/EU financial institutions to provide secure virtual USD accounts, instant internal ledger settlement, and secure assets management.
Any user on AsetLayer can transfer USD instantly to another AsetLayer user. These transactions settle immediately on our internal ledger with zero fees, completely bypassing standard intermediate banking networks.
Yes, you can issue unlimited virtual dollar cards directly from your dashboard. These cards allow you to pay for global services, ads, subscriptions, and international storefronts without limits.
Ozer AI is our dedicated financial assistant, which we are constantly improving with new capabilities. It is integrated natively to help you check balances, initiate transfers, and get real-time transaction insights directly using simple text commands on WhatsApp or the dashboard.
AsetLayer is currently available to users in Nigeria. We are actively working to expand our services to other African countries and emerging markets soon.
The Rise of Agentic Cross-Border Money Movement.
Join the financial revolution. Follow our community on WhatsApp to stay updated.