ARQ (formerly DolarApp)

ARQ (formerly DolarApp) — Your global account in digital dollars and digital euros.

More than 2 million users across Latin America. ARQ connects you to the world’s strongest markets — to save, invest, and move your money without borders.

💳 INTERNATIONAL CARD WITH NO IOF

Pay in any country with a competitive conversion rate and cashback on every purchase. Your ARQ Mastercard works in more than 180 countries — physical or virtual. No annual fee, no IOF, no hidden fees.

• The ideal card for international travel: pay in dollars, euros, or any local currency

• Compatible with Apple Pay and Google Wallet

• Prestige credit card available with exclusive benefits

💵 GLOBAL ACCOUNT IN DIGITAL DOLLARS AND DIGITAL EUROS — NO IOF

Convert Brazilian reais into digital dollars (USDC) and euros in seconds, with the real market conversion rate. Every dollar in your account is backed 1:1 by U.S. dollar reserves. Your bank would hate for you to see our conversion rates.

• Digital dollar account: buy digital dollars with a transparent conversion rate

• Digital euro account: convert to euros with the same transparency

• Track the dollar and euro exchange rates in real time in the app

💸 SEND AND RECEIVE PAYMENTS FROM THE U.S. AND EUROPE

Send and receive international payments with the real conversion rate. No hidden fees, no surprise charges. Get your own account details in the United States (ACH/Wire) and in Europe (IBAN).

Perfect for business owners, freelancers, digital nomads, and remote workers.

📈 INVEST IN GLOBAL MARKETS

Yield accounts with earnings in digital dollars. U.S. stocks and ETFs with zero fees and no hidden spreads. Diversify your wealth on a global scale.

🔒 SECURITY

• Payments protected with 3DS security

• Access with biometrics, TouchID, or FaceID

• Data encrypted with multiple layers of protection

• More than 2 million users trust ARQ

⚡ HOW IT WORKS

Download ARQ and sign up in just a few minutes

Add funds via Pix — instant and fee-free

Convert to digital dollars or euros instantly

Use your international card worldwide

❓ FREQUENTLY ASKED QUESTIONS

What is ARQ?

ARQ is an international finance platform with a global account in digital dollars and digital euros, as well as reais, an international Mastercard, investments in U.S. stocks and ETFs, and international payments — all in one app.

Do I have to pay IOF?

No. With ARQ, your conversions and international payments are IOF-free.

How do I add funds?

In Brazil, you can add funds via Pix directly in the app. It’s instant and fee-free.

Can I receive payments from the U.S.?

Yes. You get your own U.S. account details (ACH/Wire) to receive payments from companies, clients, or platforms like Deel and Upwork, as if you lived in the United States.

Is ARQ safe?

Yes. We use end-to-end encryption, 3DS security, biometrics, and multiple layers of protection. We are regulated and comply with the strictest compliance standards.

What about DolarApp?

DolarApp is now ARQ. The same technology, the same unbeatable rates, with an even more ambitious vision. Your account and data remain the same.

ARQ is not a financial institution. Conversions are carried out using virtual assets (USDc and EURc). The international card is issued by DolarApp S.A. de C.V. under agreement with Mastercard. Please refer to the Terms and Conditions available on ARQ Finance.

The distribution of securities to Brazilian investors is carried out by Oslo Capital DTVM S.A., in accordance with applicable regulations. ARQ’s services involve virtual assets. Please refer to the Terms and Conditions.

Withdraw your balance at any time. Earnings are subject to change.

📧 Contact: help@arqfinance.com

🌐 Website: arqfinance.com

💬 Chat: Contact us via the in-app chat 24/7