Common Questions

Lex is a modern financial platform that gives you a US dollar account, instant global transfers, and a Visa card — all in one app. Built for people who move money across borders and want something that actually keeps up.

The Lex wallet and Diamond Visa card are the base offering. Obsidian is an optional private membership that adds a concierge for reservations, travel, and sourcing — $1,200 USD annually, by invitation only. Pricing for the wallet and Diamond tier will be shared at launch.

Send and receive dollars instantly to anyone, anywhere. Move money to a bank account, to another Lex member by username or email, or to a local wallet. Transfers settle in seconds with no intermediaries or delays, and every transfer is secured with multi-layer encryption and biometric authentication.

Every Lex account includes the Diamond Visa card — virtual at signup, physical shipped globally. Tap or swipe at 150 million merchants worldwide. ATM withdrawals at any Visa-supported machine. No foreign transaction fees.

Obsidian is a private membership tier with a $1,200 annual fee, by invitation. Pricing for the Lex wallet and Diamond Card will be shared at launch. Standard FX and ATM fees apply where relevant — full disclosure in our fee schedule.

You own your funds. Your Lex wallet is non-custodial — we never take custody of your balance, we can't freeze it, and we can't lend it out. Wallet security is built on Turnkey's SOC 2-audited enclave infrastructure, with biometric authentication for every sensitive action. We monitor for threats 24/7, and your financial data is never sold to third parties.

No — Lex is a financial technology company. We partner with licensed banks for card issuance and use Turnkey for secure, non-custodial wallet infrastructure. This model lets us offer modern, global financial services without being limited to any one country's banking system.

No. Lex is built for people anywhere in the world who want access to US dollar financial services. We verify identity through standard global KYC — no SSN or US address required.

Lex is currently available to residents of countries across the Americas, including the United States, Mexico, Brazil, Argentina, Colombia, and more, with additional regions on the way. Your Visa card works wherever Visa is accepted — 200+ countries and territories.

Our team is available 24/7 via WhatsApp for transfers, card support, and account questions. You can also reach us by email at hello@lexfinancial.co. Obsidian members receive priority support with dedicated account management.

Access is by invitation during early rollout. Request an invitation through our site — tell us a bit about yourself and our team will be in touch. Existing members can also refer candidates directly.