YOUR MONEY.
YOUR RULES.
A bank account in your pocket with US dollars you can spend anywhere in the world. Send remittances for free, pay bills, top up phones, and get a Visa debit card — all from one app. Made by Venezuelans, for Venezuelans.
The Problem
7 million Venezuelans abroad. Billions sent home every year. Up to 15% lost to fees.
Remittance Fees
Western Union charges $5-15 per transfer plus 3-8% in hidden exchange rate markups. A $200 remittance can cost $30+ in fees. That money should go to your family.
Unstable Currency
The Venezuelan bolívar has lost 99.9% of its value. Savings evaporate overnight. There's no safe way for most Venezuelans to hold US dollars without a US bank account.
Limited Options
Millions of Venezuelans are unbanked. PayPal and Zelle don't work in Venezuela. The few dollar wallets that exist are custodial, charge monthly fees, and cap your limits at $1,500-$3,000/month. You deserve better.
Digital Dollar Account
A bank account in your pocket.
Hold US dollars securely on your phone. Send money instantly to anyone. Receive remittances without losing a cent. No bank account required. No minimums. Get started in 60 seconds.
Hold Digital Dollars
Your balance is in US dollars (USDC), pegged 1:1 to USD. Fully backed, fully stable. No more watching your savings crash with the bolívar.
Send Money Instantly
Transfer to any MVGA user in under 1 second. Send to family in Venezuela or pay someone across the world. Zero platform fees on P2P transfers.
View in USD or VES
See your balance in US dollars or Venezuelan bolívares. Live exchange rate updates. Switch anytime in settings. Designed for the way Venezuelans actually think about money.
Works on Any iPhone
Download from the App Store or visit app.mvga.io to install as a Progressive Web App. Works on iPhone and desktop browsers. Full offline support included.
You Control Your Money
Your funds are secured by your own private keys on your device. MVGA never holds your money. No one can freeze your account or block your transfers.
Real-Time Updates
Balance updates every 30 seconds. Full transaction history with timestamps. Push notifications for incoming transfers, payments, and scheduled transactions.
MVGA Card
Spend your dollars anywhere.
The MVGA Card turns your digital dollar balance into a Visa debit card accepted at 80 million merchants worldwide. Pay at stores, restaurants, and ATMs. Tap to pay with Apple Pay. Your dollars are converted automatically at the point of sale.
Visa debit card accepted at 80M+ merchants worldwide
Spend directly from your dollar balance
Apple Pay and contactless payments
Real-time transaction notifications in the app
Freeze and unfreeze instantly from your phone
Set daily spending limits and control online purchases
No monthly fees. No foreign exchange fees.
Fund your card instantly from your wallet balance
Full KYC onboarding built into the app
**** **** **** 4242
Your Name Here
Why MVGA
Stop losing money to middlemen.
Remittance services charge 5-15% in fees. Dollar wallets charge monthly fees and cap your limits. MVGA charges zero platform fees with no limits. See how we stack up.
| Feature | MVGA | Western Union | Zelle / PayPal | Dollar Wallets (Meru, Zinli, etc.) |
|---|---|---|---|---|
| Transfer Fee | $0 | $5-15 | $0 (US only) | $0-1% |
| Exchange Rate Markup | 0% | 3-8% | N/A | 0.5-4% |
| Transfer Speed | < 1 second | 1-3 days | Instant (US) | ~5 seconds |
| Send $200 to Venezuela | $200 received | ~$170 received | Not available | $192-198 received |
| Monthly Fee | $0 | N/A | N/A | $0-0.99/mo |
| VES Cash-Out Fee | Via Airtm | 3-8% markup | N/A | Up to 4% |
| Monthly Limits | Unlimited | $5,000 | $2,000/wk | $1,500-3,000 |
| Works in Venezuela | Yes | Limited | No | Varies |
| Debit Card | Visa | No | No | Visa/MC (select) |
| Phone Top-Ups | Yes | No | No | No |
| Savings & Interest | Up to 8% APY | No | No | No |
| Self-Custody | Yes — your keys | N/A | N/A | No — custodial |
| P2P Escrow | On-chain | None | None | None |
| Open Source | Yes | No | No | No |
Structural Advantages
Why choose MVGA.
Other dollar wallets in Venezuela use custodial architectures where they control your money. MVGA is built differently from the ground up.
Self-Custody by Default
Your private keys live on your device. Other wallets hold your funds in their accounts — if they go down, so does your money. With MVGA, no one can freeze or seize your balance.
On-Chain Transparency
Every transaction is verifiable on Solana Explorer. No internal ledgers. No hidden fees. Unlike custodial wallets that move money off-chain, MVGA keeps everything on-chain and auditable.
P2P Escrow Protection
Smart contract locks funds until both parties confirm. Most dollar wallets in Venezuela have no P2P at all — and the ones that do use trust-based systems with no protection.
Real DeFi Yields
Earn up to 8% APY through Solana DeFi protocols. Competing wallets offer zero interest on your balance. Your money should work for you, not sit idle in someone else's account.
Phone Top-Ups Built In
Recharge Movistar, Digitel, or Movilnet directly from your wallet. No other dollar wallet in Venezuela offers this. Send airtime to family from anywhere in the world.
Fully Open Source
Every line of code is public on GitHub. 15 security audit rounds. Zero competing dollar wallets are open source. Transparency is not a feature — it's a commitment.
No Monthly Fees
Some competitors charge $0.99/month just to hold your money, plus up to 4% on VES withdrawals. MVGA has zero platform fees on P2P and zero monthly charges.
No Arbitrary Limits
Competing wallets cap you at $1,500-$3,000/month. MVGA has no artificial limits on how much you can hold, send, or receive. Your money, your rules.
One App. Everything You Need.
More than a wallet. A full financial platform.
Send money, pay bills, top up phones, earn interest, get a debit card, and cash out to your local bank — all from one app in English or Spanish.
Free Remittances
Send US dollars to anyone in Venezuela in under 1 second. Zero platform fees. No middlemen. The recipient gets exactly what you send. Pay or receive via Zelle, PayPal, Venmo, Pago Móvil, or bank transfer through built-in P2P exchange.
Visa Debit Card
Spend your dollar balance anywhere Visa is accepted. 80M+ merchants worldwide. Apple Pay support. Freeze, unfreeze, and set limits from your phone. No monthly fees. No FX fees. Fund instantly from your balance.
Phone Top-Ups
Recharge any Venezuelan phone — Movistar, Digitel, or Movilnet — directly from your wallet. Pay from your dollar balance, your family receives airtime instantly. Amounts from $0.28 to $2.10.
Savings & Interest
Earn interest on your dollar balance. Track daily, monthly, and yearly projections. Set savings goals with progress tracking. Your money works for you while you sleep.
Cash Out to Bank
Send USD to any bank account in Venezuela and 100+ countries. One-step payouts from $1 to $1,800. Track your payout status in real-time. Cash arrives in your local bank.
Deposits
Add money with your credit card, debit card, or bank transfer. Supports 95+ currencies and multiple payment methods. Funds arrive directly in your account.
Recurring Payments
Schedule automatic transfers on daily, weekly, or monthly cycles. Dollar-cost average into investments. Set it and forget it — you approve each transaction with one tap.
Batch Send
Send to up to 15 people in a single transaction. Perfect for businesses paying employees or families splitting remittances. Save time, save fees.
QR Payments
Scan a QR code to pay instantly. Generate your own QR code to receive payments. Perfect for small businesses and in-person transactions.
Rewards Program
Earn rewards for using the platform. Refer friends and both of you get a bonus. Higher reward tiers unlock fee discounts, cashback, and priority support. The more you use MVGA, the more you earn.
Built for Venezuelans
Every detail considered.
From language support to currency display, every feature is designed for the Venezuelan community and the diaspora.
English & Spanish
Full app in both English and Spanish. Over 400 translated strings. Switch languages anytime in settings.
USD & Bolívar Display
View all balances in US dollars or Venezuelan bolívares. Live exchange rate. Switch anytime.
Pago Móvil & Zelle
Built-in support for Venezuelan payment methods. Exchange between dollars and bolívares peer-to-peer.
Push Notifications
Real-time alerts for transfers, payments, scheduled transactions, and rewards. Never miss a payment.
Biometric Security
Unlock with Face ID, Touch ID, or fingerprint. Your account is protected by the same security as your phone.
Transaction History
View all your transactions in one place. Organized by date. Tap any transaction for full details.
Contact Book
Save frequently used recipients with labels. Quick select when sending money. Never enter addresses twice.
Transparent & Auditable
Every transaction is independently verifiable. The entire platform is open source on GitHub. Trust through transparency.
Get Started
Three steps. Sixty seconds.
Open the App
Download MVGA from the App Store, or visit app.mvga.io in any browser. Create your wallet in seconds. Works immediately.
Add Money
Deposit with a credit card, debit card, or bank transfer. Or receive dollars from someone who already uses MVGA. Your balance shows in USD instantly.
Send, Spend, Save
Send money home. Pay with your Visa card. Top up phones. Earn interest. Cash out to a bank. Everything from one account.
Powered By
Built on trusted infrastructure.
Visa
Debit Card
Accepted at 80M+ merchants worldwide
Reloadly
Phone Top-Ups
Movistar, Digitel, Movilnet recharges
Onramper
Deposits
Card and bank transfer deposits in 95+ currencies
Airtm
Cash Out
Bank payouts in Venezuela and 100+ countries
Solana
Network
Sub-second transfers, near-zero network fees
Persona
Identity
KYC verification for 220+ countries
Vercel
Hosting
Global CDN for fast access anywhere
Helius
Infrastructure
Enterprise-grade transaction processing
Stories
Real people. Real impact.
Venezuelans using MVGA to send money home, save in dollars, and take control of their finances.
“I send $50 to my mom in Maracaibo every Friday. Western Union charged me $12 each time. Now it costs me nothing. That's $600 a year back in my pocket.”
Carlos M.
Miami, FL
“Finally an app that speaks Spanish and understands Pago Móvil. I can buy dollars without sketchy Telegram groups. The escrow protects both sides.”
María L.
Caracas, Venezuela
“I top up my mom's Movistar from Houston in 30 seconds. She sees the balance instantly. She doesn't need to know how it works. That's the point.”
Isabella G.
Houston, TX
“Set up automatic transfers every Monday. My family gets $25 like clockwork. I just approve with one tap on my phone. Changed our lives.”
Diego R.
Bogotá, Colombia
“The savings feature lets me earn interest on my dollars instead of watching them sit there. It's like a high-yield savings account but without needing a bank.”
Ana V.
Madrid, Spain
“I pay my freelancers in Venezuela with batch send — 5 people, one transaction, under a second. No bank could ever do that.”
Andrés P.
Valencia, Venezuela
Team
Built by Venezuelans.
We lived the crisis. We built the solution. Every feature comes from firsthand experience with hyperinflation, capital controls, and broken banking.
Juan Rosales
Founder & Lead Engineer
Venezuelan-American full-stack engineer. Built every module solo. 20 API services, 36 pages, 550+ tests.
25K+ lines shippedCommunity
Venezuelan Diaspora
Beta testers from Miami to Madrid. Bug reports in WhatsApp groups. Feature requests in Telegram. The real product managers.
7M+ Venezuelans abroadOpen Source
Contributors & Auditors
Every line of code is public. 15 security audit rounds. Recognized in Electric Capital's developer report.
0 known vulnerabilitiesClaude & Happy
AI Pair Programmers
Architecture, code review, security audits, test generation. Human intent, AI velocity.
Ship 10x fasterFrequently Asked Questions
Is MVGA safe?+
Yes. Unlike custodial wallets where the company holds your money, MVGA is self-custody — your private keys stay on your device and MVGA never holds your funds. P2P exchanges use smart contract escrow that automatically releases funds when both parties confirm. The entire platform is open source and has been through 15 security audit rounds.
What does it cost?+
Zero platform fees on person-to-person transfers. Currency exchanges have a 0.1% fee. The Visa debit card has no monthly fee and no foreign exchange fee. Network transaction fees are near-zero (less than $0.01).
Do I need a bank account?+
No. You can receive money from other MVGA users, deposit via credit/debit card, or exchange with peers using Zelle, PayPal, Venmo, or Pago Móvil. You only need a bank account if you want to cash out to one.
How do I add money?+
Three ways: (1) Receive a transfer from another MVGA user for free. (2) Deposit with a credit card, debit card, or bank transfer via our payment partners. (3) Exchange bolívares for dollars peer-to-peer through the built-in P2P marketplace.
Can I use it outside Venezuela?+
Yes. The wallet works globally. The Visa debit card works at 80M+ merchants worldwide. Phone top-ups work for Venezuelan carriers from anywhere. The app is used by the Venezuelan diaspora in the US, Spain, Colombia, and beyond.
Is there a mobile app?+
Yes! MVGA is available on the App Store for iPhone. You can also visit app.mvga.io in your browser to use it as a Progressive Web App on any device. Both versions include push notifications, offline support, and biometric unlock.
How does the rewards program work?+
You earn rewards for using the platform and referring friends. Higher reward tiers unlock fee discounts (up to 100% off), cashback, and priority support. Rewards come from real platform revenue, not inflation.
How is MVGA different from Meru, Zinli, or Wally?+
Those wallets are custodial — they hold your money in their accounts. If they shut down, your funds are at risk. They also charge monthly fees (up to $0.99/mo), VES withdrawal fees (up to 4%), and impose low monthly limits ($1,500-$3,000). MVGA is self-custody (you hold your own keys), has zero platform fees, no monthly charges, no arbitrary limits, and offers DeFi yields, phone top-ups, and on-chain P2P escrow — features none of them have.
Is MVGA open source?+
Yes. The entire platform — API, wallet app, and this website — is public on GitHub. Anyone can audit the code and verify exactly what the platform does. 15 security audits completed with zero known vulnerabilities. No other dollar wallet targeting Venezuela is open source.
What is USDC?+
USDC is a digital US dollar created by Circle and backed 1:1 by US dollar reserves held at regulated financial institutions. Every USDC is worth exactly $1. It runs on the Solana blockchain, which means transfers settle in under 1 second and cost less than $0.01. Unlike crypto that goes up and down, USDC is a stablecoin — your $100 stays $100.
What if I lose my phone?+
When you create your wallet, you get a 12-word recovery phrase. Write it down and keep it safe. If you lose your phone, install the app on a new device and enter your recovery phrase to restore your wallet and all your funds. No one else can access your money without this phrase — not even MVGA.
How is MVGA funded?+
MVGA earns revenue from small fees on currency swaps (0.1-0.3%) and partner commissions on services like phone top-ups and gift cards. Person-to-person transfers are always free. There are no hidden fees, no monthly charges, and no investor pressure to monetize users. Revenue is transparently distributed: 50% to liquidity, 30% to community grants, and 20% to development.
Your Money Deserves Better
Digital dollars for Venezuela. Send, spend, save, and earn — all from one app. Made by Venezuelans, for Venezuelans.