Dollars withinreachfor everyone.

Exchange your local currency for digital dollars (and back) with the payment apps you already use. No overseas accounts. The lowest fees on the market.

Create free accountHow it works
  • Venezuela
  • Colombia
  • Argentina
  • + more countries
syklo15 USDC
Available balance$1,284.50USDC · Stellar
BuySellSendReceive
All set!Your account is ready to trade.
ZinliPago MóvilZelleNequiBancolombiaDaviplataPSEMercado PagoCuenta DNIBrubankNaranja XWally

The problem

You work all month.

You send money to your family.

A big chunk stays along the way.

Then inflation eats what's left, and what you save.

There's another way.

Swap it.Keep it.Move it.

Syklo turns your pesos or bolívares into digital dollars (and back) in minutes, between real people.

Who it's for

What can you do with Syklo?

Syklo is for anyone who wants their money to be worth more.

The lowest fees on the market

We charge less than other platforms. What you save on fees is yours, not ours.

Protect yourself from inflation

Your pesos or bolívares lose value every day; in dollars, what you save today you keep.

Send remittances without middlemen

Send money to your family without paying the 8-12% that transfer companies charge.

Buy and sell whenever you want

Buy or sell dollars whenever you need them. You can also top up the apps and cards you use.

Coming soon

Soon, your dollars will grow on their own.

We're aiming for an estimated yield of ~6% a year on your savings: more than a traditional bank gives you on dollars. We'll let you know when it's live.

How it works

Three steps. No surprises.

  1. Create your account with your email

    ~5 min

    All you need is your email. Open it from your phone's browser or your computer. No download required. Under five minutes.

  2. Tell it how much you want to exchange

    Automatic

    Pick the amount and the payment method you already use, like Zinli, Nequi or Mercado Pago. Syklo automatically finds the best available offer for you.

  3. Make the transfer and you're done

    Protected

    You transfer with your usual app. The system protects the exchange until the transaction is confirmed. Your dollars appear in your Syklo account.

The app

Your balance

Real dollars, in your own account.

Your balance is USDC (a digital dollar backed 1:1) and it lives in your own Stellar account, not ours. No one can freeze it or spend it for you.

The exchange

Trade with real people, protected by contract.

Say how much you want to exchange and Syklo finds the best offer. A smart contract holds the dollars until both sides deliver. No one can walk away without paying.

Sending

Send to anyone, anytime.

Send dollars to your family or any account in seconds, for cents. No transfer companies taking a cut.

syklo15 USDC
Available balance$1,284.50USDC · Stellar
BuySellSendReceive
All set!Your account is ready to trade.

Countries & methods

With what's already on your phone.

You don't have to open new accounts. You use exactly the app you already know and trust. These are some of the methods available today.

For the curious

How does it work behind the scenes?

No jargon. It's this simple.

You
On hold
The other person
The dollars are held until both sides confirm. Only then are they released.

You exchange with another person

You don't buy dollars from Syklo. We connect you with someone who wants the opposite: you pay in your currency and they give you dollars, or the other way around.

Your dollars are yours

When you open your account, your dollars stay in your name. Syklo doesn't hold them and can't use them for you.

The exchange is held until both sides deliver

The dollars are held while the payment happens. They're only released when both people confirm. No one can walk away without delivering.

More detail

The technical detail

If you want to go deeper: how exchanges are matched, how each trade is protected, and what's behind the app.

Syklo runs a P2P model (person to person). Traders (people who post offers to buy or sell dollars) list USDC offers specifying amount, rate and payment method. The matching engine automatically pairs the best available offer against the incoming request, optimizing for price and payment method.

Unlike a CEX (centralized exchange), Syklo doesn't act as a market maker (someone who continuously posts buy and sell prices) or take its own position. The spread (the gap between the buy and sell price) is set by the traders in the order book (the list of open offers), not the platform.

Result: rates closer to the real market price, with no hidden intermediary margin.

Every transaction opens an escrow (a temporary hold on the dollars) implemented as a contract (a program that only runs when certain conditions are met) on the Stellar network (a blockchain). When an offer is found, the seller's USDC transfers to a multisig escrow account (one that needs more than one authorization to move the money) controlled by the contract, not by Syklo. To release the money, both people in the transaction have to accept: they sign the escrow release. If there's a dispute, a judge reviews the evidence and signs instead.

Technical guarantee: funds can only move when the contract's condition is met. There is no Syklo master key that can redirect them.

Each user's USDC balance lives in a wallet (your own digital account where your dollars are kept) on the Stellar network (a blockchain). Syklo doesn't custody funds (it doesn't hold or control them for you): it can't initiate transfers or freeze accounts.

During an active transaction, the USDC sits in the on-chain escrow (recorded and protected on the blockchain). When no transaction is in progress, your dollars go back to your wallet. At no point does Syklo have access to the money.

In short: Syklo can't take your money, freeze it, or use it for something else.

If a counterparty doesn't confirm receipt of the fiat payment (traditional money, like pesos or bolívares), either side can escalate to a dispute. The escrow (the temporary hold on the dollars) stays frozen until a resolution has been reached.

A Syklo judge reviews the evidence both parties submit: transfer receipts, chat screenshots, payment timestamps, and bank confirmations. Resolution is evidence-based: the judge decides which party to release the escrow's USDC to.

If there's a dispute, a third person reviews the case and decides.

Coming soon. This feature isn't available yet; we'll let you know when it goes live.

Yield comes from providing liquidity (making dollars available so others can exchange) to a USDC pool (a shared pool of dollars) from an external project. Liquidity providers receive a fraction of the fee on every transaction that uses the pool.

The APY (the estimated yearly return) is variable and depends on transaction volume and how much is in the pool. More activity means more yield distributed. The ~6% annual figure is the historical range observed, not a guaranteed rate.

Risk to consider: because the pool belongs to an external project, the yield and the security depend on that project.

Dollars in Syklo are USDC (USD Coin), a stablecoin issued by Circle, with 1:1 reserves audited in USD and US Treasuries. It has no market-volatility exposure. 1 USDC = 1 USD at all times.

Syklo runs on Stellar (a blockchain), a network built for moving money. Transfers settle in seconds, in an account you control.

The app is a PWA (Progressive Web App). No app-store install required. It runs in the browser with the same capabilities as a native app.

Your money deserves more.

Create your account in under five minutes. All you need is your email. No downloads, no paperwork.

Create my account

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