Frequently asked questions

Scurry is a financial technology company — not a bank — building a stablecoin platform for consumers and businesses in emerging markets, starting with Mexico and Latin America.

We bridge traditional finance (TradFi) and decentralized finance (DeFi) by offering Global USD accounts, stablecoin-backed payment cards, and credit services. Think of us as a modern financial services alternative that combines the stability of the U.S. dollar with the speed and accessibility of blockchain technology.

Traditional banking in emerging markets is slow, expensive, and often inaccessible. Individuals sending money home lose 3–7% to fees. Exporters wait five or more business days for wire transfers while paying hefty charges. Small businesses can't open U.S. accounts without costly legal structures.

Scurry addresses these systemic issues with a hybrid human/AI financial model that uses stablecoin technology to deliver faster, cheaper, and fairer financial services to people who need them most.

Scurry was co-founded by Eric Kinney (Co-Founder & CEO) and Andreas Oesterer (Co-Founder & CTO), a team focused on bringing equitable financial services to underserved markets. We are currently in the process of closing our pre-seed venture round to fund the development and launch of our MVP products.

Learn more about our team on the Team page.

No. Scurry is a fintech company, not a bank. Virtual accounts, payment cards, custody services, and on/off-ramp services are provided through our licensed banking and stablecoin partners. Scurry holds a registered Money Services Business (MSB) license with FinCEN in the United States.

Scurry's initial product suite includes three core offerings:

• Global USD Accounts — Hold and transact in U.S. dollars from anywhere in the world, without requiring a U.S. entity or address.
• Stablecoin-Backed Payment Cards — Spend stablecoins wherever major cards are accepted, with real-time conversion at the point of sale.
• Credit Services — Access consumer and business credit products designed for customers in emerging markets who are underserved by traditional lenders.

Scurry is establishing partnerships with leading stablecoin providers to ensure a stable and liquid experience for users. The full list of supported stablecoins will be announced prior to our app launch. Our focus is on dollar-pegged stablecoins that offer reliability, liquidity, and broad acceptance.

Yes. Scurry is designed for both consumers and businesses. Our business product suite is aimed at companies that need global USD accounts, cross-border payroll solutions, and lower-cost international transfers — particularly those operating across Latin American markets. Detailed business features will be available on the Business page.

Scurry employs a sophisticated hybrid model that integrates human expertise with advanced AI to deliver a more personalized and efficient financial experience. Our AI infrastructure streamlines account management, enhances risk assessment for credit products, and provides responsive, 24/7 customer support. To ensure the highest standards of accuracy and accountability, human oversight is maintained for all high-stakes financial decisions. Central to this experience is Murry, the flying squirrel — Scurry’s official mascot and primary AI agent — dedicated to assisting both consumer and business users with their unique financial needs.

Scurry is designed to serve global citizens — individuals and businesses around the world who need access to USD accounts and stablecoin financial services. We are prioritizing users in Mexico and Latin America for our initial launch, with plans to expand to additional markets.

Availability will be subject to jurisdictional regulations and partner approvals. Full eligibility criteria will be published prior to our app launch.

You can sign up for early access on the Join the waitlist page. Joining the waitlist means you'll receive updates on our launch timeline and may receive priority access when the app goes live.

No. One of Scurry's core value propositions is providing access to Global USD accounts without requiring a U.S. legal entity, lawyer, or physical address. We are building for the millions of individuals and businesses globally who have been locked out of the U.S. financial system due to these barriers.

Yes. Scurry is a registered Money Services Business (MSB) with the U.S. Financial Crimes Enforcement Network (FinCEN). We operate with a compliance-first philosophy, prioritizing regulatory alignment from day one — even before our platform goes live.

Financial services on the Scurry platform will be provided by licensed banking and stablecoin partners who hold their own regulatory approvals.

Scurry is not yet a live platform, so no customer funds are held at this time. When we launch, customer funds and stablecoin holdings will be managed through licensed partner institutions with their own regulatory safeguards. Full details on fund custody, partner protections, and applicable guarantees will be disclosed prior to launch.

Scurry is currently finalizing our Privacy Policy and Terms of Use in coordination with our banking partners. Final approval on all compliance policies is expected shortly after our pre-seed investment round closes.

We are committed to transparent, user-first data practices. Full documentation will be published on this website prior to app launch.

Yes. As a registered MSB and in alignment with our banking partners' requirements, Scurry will conduct KYC verification for all account holders. This is a legal requirement and a cornerstone of our compliance-first approach. Details of the verification process will be outlined when the app launches.

Scurry's complete fee schedule will be published prior to our app launch. Pricing is being finalized in coordination with our banking and stablecoin partners and is subject to regulatory approvals.

Our commitment is to offer significantly lower fees than traditional banks and money transfer operators — one of our founding principles is eliminating the excessive costs that burden people in emerging markets.

We are building Scurry specifically to reduce the cost of moving money internationally — a market where traditional providers charge 3–7%. Our fee structure for transfers will be disclosed in the full fee schedule, published before launch.

The Scurry app is currently under development and is expected to launch in mid to late 2026. The exact date depends on completion of our pre-seed investment round and final approval from our banking and stablecoin partners.

Join the waitlist to be among the first to know when we go live.

A pre-seed round is an early-stage venture investment that provides the capital needed to build and launch our MVP. Closing this round is a key milestone that will enable us to finalize our banking partnerships, complete compliance approvals, and bring the Scurry app to market.

Some details — including our full Privacy Policy, Terms of Use, and fee schedule — will be published once the pre-seed closes and partner approvals are finalized.

Scurry is prioritizing Mexico and Latin America for our initial launch, given the significant need for better cross-border remittance solutions in these regions. We plan to expand to additional markets over time. Global waitlist registrations are open, and availability will be confirmed by country as we approach launch.

The best way is to join our waitlist for email updates. You can also follow us on LinkedIn for announcements, team updates, and news about our launch milestones.