To make global money movement as simple as a conversation.
Why global banking is broken
for African operators.
Earning globally shouldn't mean losing your income to high FX spreads, randomly frozen accounts, or slow settlement times. Today's tools weren't built for us.
Frozen Accounts
Legacy global platforms are notorious for freezing African accounts, trapping hard-earned dollars for months with zero customer support.
Local Domiciliary Limits
Traditional bank accounts require heavy paperwork, take days to clear, and enforce restrictive limits and high FX conversion fees.
Closed Ecosystems
Most digital virtual account providers operate in closed networks, missing social transfer systems and direct customer checkout links.
A borderless money layer
for the remote
African economy.
Receive ACH and Wire payments from anywhere with a US virtual account, spend globally with reliable virtual cards, send peer-to-peer transfers instantly with zero fees, and manage it all seamlessly via our web app or directly through our WhatsApp AI assistant.
Transact
using Ozer
100% Free
Social Transfers
USD-first banking built for
African Operators.
Skip the frozen accounts, high FX spreads, and bank delays. We give you a dedicated US account to receive global payments, send free instant transfers, and manage it all directly through WhatsApp.
Traditional options force African builders into closed loops or high-fee local domiciliary accounts. We bypass legacy banking friction entirely, giving you virtual US accounts to receive ACH, domestic Wire, and FedNow payments directly from global partners without restrictive local bottlenecks.
Internal USD movement is often blocked by regulatory delays. With AsetLayer, sending dollars between remote team members, creators, or suppliers is instant, borderless, and completely free—functioning as a unified USD money network across the continent.
While we are USD-first, we are not USD-only. We bridge the gap between global dollars and local economies by providing native access to your country’s local currency—letting users in Nigeria seamlessly convert, hold, and transact in Naira (NGN) alongside their USD balances.
Managing money shouldn't feel like a chore. With Ozer, our WhatsApp-native AI assistant, you can execute transactions, check your balances, and monitor your USD account activity directly inside a chat conversation.
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.
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