Dream Panel is one account for both currencies, converting for as little as 0.5% and compounding at up to 12% APY — money that finally moves as fast as you do.
No-lockup crypto interest exists elsewhere — that’s not a secret, and we won’t pretend otherwise. What’s genuinely rare is combining it with an actual local bank account in the same place: deposit through real ACH, wire, or SWIFT details, and the same balance starts earning automatically through Flexible Earn, with nothing to toggle on and nothing to move between apps.
Plenty of platforms will grow your crypto. Almost none of them will also give you a real bank account to receive it into. We do both, in one account.
Share routing & account details with clients and platforms
Same balance starts earning automatically — up to 9% APY, no lockup
Users get paid through virtual U.S. dollar account details—share routing info with clients, marketplaces, and payment platforms.
Incoming USD is converted to stablecoins automatically—no manual swaps, no waiting for settlement.
Spend from your balance anywhere cards are accepted—with secure authorization and real-time limits.
Hold and earn up to 9% APY with no lockup, or lock a term for up to 12% APY. Same balance, two published ways to grow it.
Move money in and out on autopilot—from bank transfers and stablecoins to card spend and global payouts.
Open local account details wherever we operate, auto-convert fiat to crypto in the same balance, and spend on card — one account for every move.
Standard conversion runs at 1% — already competitive — and drops as low as 0.5% at our top VIP tier. Rather than asking you to trust a “we’re the cheapest” claim, we show the live rate on every conversion before you confirm, every time.
Every fraction of a percent you don’t pay in fees is money that stays exactly where it belongs — with you. Compare it for yourself, then decide.
Flexible Earn pays up to 9% APY with zero lockup. Staking pays up to 12% APY for those willing to commit a term. Both rates are published and updated openly — nothing is a teaser rate that quietly drops after signup.
Most platforms make your money wait to start growing. Ours doesn’t — and it doesn’t stop at a mediocre rate either.
Published APY
Starter
Up to $30kGrowth
$30k–$100kPrime
$100k+Each pair is Flexible Earn / Staking 12-month published APY for that hold amount.
No lockup
Up to
Hold a balance and it earns automatically. Withdraw anytime.
Flexible Earn is a published yield on your Dream Panel balance, not a bank savings account.
See How Flexible Earn WorksTerm
Up to
Lock 3, 6, or 12 months for a higher published ceiling.
Prime published rates · $100k+
Best for balances you will not need in the near term. Early-exit rules, if available, are shown at deposit.
See What Your Balance Could EarnA local virtual account, real account and routing details, receiving via ACH, wire, or SWIFT — not a workaround, not a wallet pretending to be a bank account. Our supported-country list keeps growing.
Your money shouldn’t need a passport to move. Now it doesn’t.
Founded by Tim Watkins — after decades in the banking industry, most recently as Head of Loans and a Director at JPMorgan — alongside four co-founders who brought the technical and operational discipline to match.
The people building your financial infrastructure spent decades inside the very system they set out to improve. That’s not a marketing line — it’s who actually shows up to work every day.
Founder & CEO
Co-Founder & CMO
Co-Founder & COO
Co-Founder & CTO
Co-Founder & Marketing Director
Founder & CEO
Co-Founder & CMO
Co-Founder & COO
Co-Founder & CTO
Co-Founder & Marketing Director
Company
Officially launched August 2024. A $7.8M Series C secured in December 2025. Growing rapidly since — the kind of growth that comes from people actually using the product, not just hearing about it.
The fastest-growing platforms are rarely the loudest ones. They’re the ones people actually stick with.
Compare the full product set — each line is a reason to stay in one place instead of stacking apps.
Local account details, wherever you are
Fees as low as 0.5%, converted instantly
Crypto or bank, no fees, ready immediately
Send to anyone free and instant, or to any bank
Spend your balance, cashback that scales up to 3%
Up to 9% APY, no lockup, withdraw anytime
Lock in 3, 6, or 12 months for up to 12% APY
Up to $500 per referral
Lower fees, higher limits, free travel at top tier
Card networks, stablecoin issuance, and custody infrastructure the product already runs on — so your money can move without a stack of extra apps.
Mastercard
Visa
Bridge
Circle / USDC
Fireblocks
StripeFAQ
Clear answers on fees, yields, local accounts, and how one balance replaces a stack of apps.
Dream Panel gives you a virtual U.S. dollar account with real routing details, automatic stablecoin conversion, pay-in and payout tools, a spend card, and staking rewards—so you can receive, hold, convert, and spend digital dollars in one place.
After you open and verify your account, you get routing and account details you can share with clients, marketplaces, and payment platforms. Incoming USD pay-ins land in your Dream Panel balance as digital dollars—ready to hold, convert, stake, or spend.
Staking rewards scale with your balance: 6% APY from $10k, 9% APY from $50k, and 12% APY from $100k. Higher tiers also unlock lower crypto and currency conversion fees, more card cashback, and faster pay-in and payout processing.
Yes. Deposit local currency or receive pay-ins, then convert to stablecoins at a live mid-market rate. Use your Dream Panel card to spend from your balance anywhere cards are accepted, or send payouts and withdraw to your local bank when you need cash out.
Convert at published rates, bank locally anywhere we operate, and earn up to 12% APY.
