Personal · Wallets
Pesos and dollars,in the same account.
Two balances, one account, no mental arithmetic. Your DOP and USD sit side by side with their own histories, and moving between them is an explicit decision you make on a quoted rate.
01
How the balances behave
Two currencies handled as two real balances, not one balance with a conversion applied at the edges.
- Independent balances
- Each currency holds its own amount and its own transaction history. Money never crosses between them without you accepting a quote.
- Spend from either
- At a checkout you choose which balance pays. If the price is in the other currency, the conversion is quoted before you approve, not discovered on the receipt.
- Receive into either
- Incoming payments land in the currency they were sent in. A dollar payment stays in dollars until you decide otherwise.
- One statement
- The combined view shows both currencies in one timeline, with every entry labelled by currency so nothing is silently summed.
02
Opening and using them
The dollar balance is not a separate product — it is a step inside the same account.
- 01Open the accountYour DOP balance exists from the first session, with basic limits, before full verification.
- 02Verify to add USDThe USD balance unlocks at full verification, because dollar-denominated holdings carry additional requirements.
- 03Fund either sideCash at an agent, a transfer from another Paydoly user, or an incoming merchant payment. Each lands in the currency it arrived in.
- 04Convert when you want toExchange is a deliberate action on an accepted quote, never an automatic sweep.
03
Common questions
Is there a fee to hold either balance?
No. There is no monthly fee, no minimum and no dormancy charge in either currency.
Do the balances earn interest?
No. Paydoly is not a bank and does not pay interest. A balance is stored value you can spend, send or withdraw.
Can I hide the USD balance?
Yes. If you do not use it, you can collapse it from the home view and it stops appearing in the summary total.