A little clarity goes a long way.

Lex is a global account for holding US dollars, investing for the long run, and moving money across currencies. Only you control it: you authorize your own transactions, and Lex cannot move your money. It holds digital dollars and other currencies and offers Morpho vaults. Lex is a financial technology company, not a bank, broker, or investment adviser.

Your US dollar balance in Lex is USDC, a digital asset issued by Circle and designed to track the US dollar. Lex also lets you hold and convert balances that track the euro (EURC), Mexican peso (wMXN), Brazilian real (wBRL), Argentine peso (wARS), Canadian dollar (CADC), and British pound (tGBP). You can also hold and transfer a Colombian peso balance (wCOP); converting it is coming soon. These are digital assets, not bank balances. Issuer and reserve risks, redemption terms, liquidity, and exchange-rate changes affect their value, and a balance can lose value against the currency it tracks.

Vaults allocate deposits to lending markets. Returns fluctuate with market conditions and are not guaranteed. Review the strategy, curator, fees, and risks. Bad debt and technical or allocation failures can cause loss of principal, and withdrawals may be delayed when liquidity is unavailable.

Lex is not intended for anyone under 18. Availability of each feature depends on your country. A basic account does not require a separate Lex identity-verification profile. Optional partner services may require identity, age, sanctions, and other checks. See the Terms and the eligibility information in the app.

You do. Your account is controlled by a key secured with your passkey, so Lex cannot move your funds without your authorization. You must protect your device, passkey, and recovery methods. If you lose them all, your funds may be permanently unrecoverable. Controlling your account does not remove asset, issuer, or technical risks.

There is no Lex fee to buy, sell, or convert. Your quote includes liquidity fees and price impact, and network fees are currently covered by Lex. Bank transfers through Bridge to add or withdraw money carry a 0.25% Lex fee, plus any fees from the bank-transfer provider and any currency conversion, which affect the final amount. Buys start at $5, with up to $1,000 per order. Quotes can expire, third-party providers set their own terms, and transactions may fail or execute at the disclosed minimum output.

Digital assets are not legal tender or bank deposits and are not insured by the FDIC, IPAB, FGC, or any deposit-insurance scheme. Investing and lending can result in loss of principal. Lex does not guarantee returns or provide personalized investment advice.

On Android, install Lex directly from Google Play. On iOS, open the Lex beta link, install TestFlight if prompted, and accept the invitation. The download section has both links.

Email support@getlex.com for questions about installing Lex, your account, a transaction, or an asset. Never send your private key, passkey, recovery credentials, or one-time codes.

Ask Lex is the assistant in the Lex app. It explains personal finance, explains what is in your Lex portfolio, and works through calculations with numbers you supply, in English, Spanish or Portuguese. It is educational and does not give personalized financial advice, and it cannot move your money.