Dollars and bitcoin,wherever you are.

Ficha is a wallet for digital dollars and bitcoin, and only you can move what's in it.

Coming soon to iOS and Android. We'll write when we open, nothing else.

Dollars, always on hand.

Bring them in from any exchange or wallet, or buy them in the app where it's available. Then use them to send money or to buy bitcoin.

No gambling here.

You won't find hundreds of coins or the coin of the month. Besides dollars, there's bitcoin: only 21 million will ever exist, and no one can make another. For long-term savings, that's enough.

Why only bitcoin

Your name is your address.

You receive bitcoin at yourname@ficha.com, an address that reads like an email, and it arrives instantly. Dollars come in on the network you pick. And to send to another Ficha client, their name is enough.

One key or three.

Wallet

One key, yours.

For everyday money. If you lose or change your phone, you get it back with your Apple or Google account, and Ficha can't move what's in it. But it all depends on that one key.

Vault

Three keys, in three hands.

For your savings. Lose your key and you don't lose them, and one stolen key isn't enough. You settle who inherits them, and Ficha alone can't move them or freeze them.1

You start with everything on hand. Whenever you want, you move it to Vault. About Vault

In both, when you send or receive, the other person sees only that transfer, not how much you have. Neither can anyone looking online.

Under 1% spread to buy or sell bitcoin.

Published, so you can compare it with what you pay today.

Worth knowing.

What is Ficha?

A wallet for digital dollars and bitcoin, with a Vault for what you want to keep. It's coming to iOS and Android.

What are digital dollars?

They're USDC, a stablecoin issued by Circle, a US company. Each USDC is backed by one dollar in cash or short-term US Treasuries, and Circle publishes its reserves every month. They aren't a bank deposit, no government guarantees them, and Circle can freeze them, for example under a court order. You keep them in your Wallet or in Vault, and either way you can send them to another wallet. They don't pay interest.

How do I add dollars?

Send them to your Wallet from any exchange or another wallet: they're USDC, and they can arrive on Base, Ethereum, Arbitrum or Solana. In some countries, you can also buy them in the app.

Why no other cryptocurrencies?

There are digital dollars and bitcoin, nothing else. Bitcoin has a fixed limit of 21 million and doesn't depend on any company or government: for long-term savings, you don't need another. The reasons, with data and sources.

Can Ficha move or freeze my money?

No. What's in your Wallet moves only with your key. In Vault, no key is enough on its own, so Ficha alone can't move it or freeze it.1

Why Vault, if my Wallet is already mine?

Because everything in your Wallet depends on a single key. Vault puts your savings behind three keys in three hands: yours, Ficha's, and one held by an independent company that specializes in safeguarding keys. If you lose yours, your savings aren't lost; a stolen one isn't enough on its own; and you name who should receive them. How Vault works.

What if I lose my phone?

Your Wallet comes back when you sign in with your Apple or Google account on the new phone, so keep that account safe. If you lose your Vault key, Ficha and the backup company move your savings to a new vault, with a new key of yours, after verifying it's you.

What does it cost?

Buying or selling bitcoin with your dollars has a spread of less than 1%. Buying dollars in the app, where it's available, costs only the payment provider's fee, which you see before you confirm. Vault's first month is free; after that it's a monthly or yearly subscription through the App Store or Google Play.

When do you open?

Soon. Join the list and we'll write as soon as Ficha is ready to download.

Reserve your Ficha.

Join the list and we'll write when we open.

Coming soon to iOS and Android. We'll write when we open, nothing else.

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