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# What's the difference between my Cash Balance and my USD Account?

These are two different things that work together, and it's easy to mix them up.

**Cash Balance** is your main wallet inside Onboard. It holds your funds in USD. Everything you receive - whether it's stablecoins, Naira, euros, or dollars - lands here as USD. You use it to fund cards, send money, and move funds around the app.

Every verified Onboard user has a Cash Balance. It's available immediately.

**USD Account** (also called your USD named account) is a US bank account in your name that gives you routing and account numbers. It's how you receive USD from employers, clients, or platforms via ACH, FedWire or SWIFT - like a regular bank account.

Not everyone has one. It requires additional verification and isn't available in all countries.

**How they connect:** When someone sends USD to your USD Account, those funds settle into your Cash Balance. The USD Account is the *entry point* — the Cash Balance is where the money *lives*.

**Quick comparison:**
|  | Cash Balance | USD Account |
| ---- |
| What it is | Your USD wallet | A US bank account in your name |
| Available to | All verified users | Requires additional verification |
| Used for | Holding, spending, sending, funding cards | Receiving USD from external senders |
| Receives from | Stablecoins, GBP, NGN, USD, EUR, internal transfers | ACH, FedWire, SWIFT |
| Has account/routing numbers | No | Yes |

**Think of it this way:** The USD Account is like having a mailbox for receiving dollars. The Cash Balance is the room where you keep and use them.