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.

Obsidian — our private membership tier — is the first Lex product. It includes a US-issued Visa Infinite, a US dollar account, and a personal concierge, for US$1,200 annually by invitation. Additional products will be announced as they launch.

Send and receive US dollars instantly to anyone, anywhere. Move money to a bank account or to another Lex member by username or email. Transfers settle in seconds, with multi-layer encryption and biometric authentication on every action.

Anywhere Visa is accepted — over 200 countries and territories. ATM withdrawals at any Visa-supported machine. No foreign transaction fees.

Obsidian is US$1,200 annually, by invitation. Pricing for additional Lex products will be shared at launch. Standard FX and ATM fees apply where relevant — full disclosure in our fee schedule.

You own your funds. Your USD balance is held in a self-custodied account — we never take custody, we can't freeze it, and we can't lend it out. Security is built on SOC 2-audited enclave infrastructure with biometric authentication on 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 audited enclave infrastructure for self-custodied USD accounts. 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.

Eligibility is determined on an individual basis, subject to applicable law and compliance requirements. 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@getlex.com. 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.