Asenso is currently in development. Features described here are subject to change. By joining the waitlist, you acknowledge that this is a beta program and actual features may differ.
Why Send and Save in Dollars?
The hidden cost of traditional remittances and how Asenso helps.
The Problem
Over 90% of remittances is spent. Only 10% go to savings.
Without control over spending, families struggle to build wealth for the future.
Converting to Philippine Pesos means losing money twice:
- •High fees and poor foreign exchange rates (hidden FX markups of 2-6%)
- •The depreciating purchasing power of the Peso vs the US Dollar over time
Over a decade, these can cost your family tens of thousands of dollars.
The Asenso Way
Build family wealth in USD with zero transfer fees.
Give your family secure USD accounts they control, promoting smart savings habits.
How it works:
- 1.Send USD directly to family virtual accounts — no conversion, no fees
- 2.Funds stay in USD and can earn up to 4% APY
- 3.Family spends using linked cards that you manage and track — USD converts to PHP instantly at point of purchase
💡 Result: Your family saves more, grows wealth faster, and gets better exchange rates when they spend.
Introducing the
Asenso App
Everything your family needs to send, save, and spend in USD — all in one simple app.
USD Virtual Accounts
Create secure USD virtual accounts for your family. Send money instantly with zero fees.
Family Cards
Give family members a virtual card linked to a USD account. They spend in Pesos while savings stay in USD. Convert only at the point of purchase with zero fees
Pay Bills with AI
For Asenso Prime members, auto-pay Meralco, Globe, water bills, and more. Your AI agent tracks due dates and makes payments.
Earn Up to 4% APY
For Asenso Prime members, grow your family's savings with high-yield USD accounts. APY = annual percentage rate, the interest an account will earn annually
Welcome back,
Jerry Miguel Santos
Total Balance
Family Accounts
Maria
Wife
Stella
Daughter
Lucas
Son
Joanna
Mother
Maria Santos
Stella Santos
Lucas Santos
Joanna Santos
Cards for the
Entire Family
Give every family member a virtual card linked to their USD account. They spend in Pesos while keeping savings in dollars — converting only at the point of purchase with zero fees.
Manage and Track Spending
Set spending limits for family members and track spending. Promote responsible spending by allowing only specific categories. For example, allow only groceries and not luxury goods.
Earn Up to 3% Cashback
Tap-to-pay anywhere cards are accepted. Earn rewards on every purchase, including cashback, scratchcards and sweepstakes.
Seamless Payments
with QRPH
No cash? No problem. Your family can scan and pay at ~700,000 merchants in the Philippines using their USD virtual account.
- Accepted at 700,000+ merchants nationwide
- Convert to Pesos only when needed
- No additional fees
Save on FX and Transfer Fees
See how much money you save by using Asenso vs. banks and remittance apps.
Traditional Bank
-$720
Estimated annual cost of hidden FX markups and transfer fees
Remittance Apps
-$360
Estimated annual cost of hidden FX markups and transfer fees
Asenso
$0
No hidden FX markups and transfer fees
For Asenso Prime Members
Pay bills with AI
Manage your family's Philippine utility bills directly from the US. Your Asenso AI agent tracks due dates, finds the best exchange rate, converts currency, and handles payments.
Payments Automation
Your Asenso AI learns your billing cycles and schedules payments so your family never pays late fees again.
Pay from Anywhere
Connect your US bank account and pay Meralco, Globe, hospital bills, tuition fees and more without complex remittances.
Intelligent Alerts
Get notified of unusually high bills or approaching deadlines before payment is processed.
Rewards for the entire family
Earn cashback and chances to win big just by using Asenso.
3% Cash Back
Get up to 3% cash back on all purchases.
Daily Scratchcards
Scratch daily to reveal coupons from brands and boosted exchange rates.
Weekly Sweepstakes
Win dream prizes like iPhones, MacBooks, and even a Tesla EV!
Grow Your Savings
Estmate your additional family wealth if you save in USD vs PHP.
How much extra wealth can your family gain by saving in dollars?
Move the slider to input how much you save monthly
This is the number of years you expect to save until you need the funds
Annual percentage yield, or APY, is your estimated annual return from your savings. Typical money market and treasury accounts earn 3-4%
Potential Extra Wealth:
+$30,774
Difference between Asenso USD growth (4% APY) and estimated Philippine Peso value in USD equivalent (assuming 2.75% annual depreciation vs USD and 3% annual inflation in the Philippines). 2.75% is based on the annual depreciation of the Peso vs the US dollar over the past 10 years.
Transparent Pricing
Start for free. Upgrade as your family wealth grows.
Free
For occasional senders wanting to try the app.
- USD Virtual Accounts
- 1 Master Account + 1 Family Account
- 1 Virtual Family Card
- Low FX fees on remittances (USD → PHP)
- Up to 3% cashback on card spend
- 0% APY on savings
- $5 per successful referral
- Standard support
Asenso Prime
For families building long-term wealth together.
or $100/year (Save $20)
- USD Virtual Accounts
- Up to 10 Family Accounts
- Virtual Family Cards
- $0 transfer fees on remittances
- $0 FX fees on remittances (USD → PHP)
- Up to 3% cashback on card spend
- Up to 4% APY on savings
- Pay bills with AI
- Daily scratchcards and weekly sweepstakes
- $25 per successful referral
- Priority support
Join the Waitlist
Get $100 if you're selected for the beta launch