liquid is a financial toolkit for Australians - individuals and businesses alike. We combine cross-border payments, investing, and savings from open markets. Our business is a hybrid model, with elements of traditional finance and elements of digital assets.

Individuals can send and receive money cross-border payments and choose how it arrives across local currencies, stablecoins, bitcoin, gold or a split. Businesses can send and receive international payments with programmable treasury. Individuals and businesses can build positions in bitcoin, gold, and yield from open markets to make idle cash productive.

No. We're not a bank and we don't hold an Australian banking licence. We're dual-registered with AUSTRAC as a Virtual Asset Services Provider (FKA Digital Currency Exchange) and an Independent Remittance Dealer (IRD). Your funds are not covered by the government deposit guarantee that applies to authorised deposit-taking institutions.

Absolutely. We're dual-registered with AUSTRAC as a Digital Currency Exchange (DCE100900617-001) and an Independent Remittance Dealer (IND100900617-001). We operate under Australian anti-money laundering and counter-terrorism financing laws.

A very rudimentary understanding may be required. However, our tools are designed so you never see the complexities associated with digital assets; no seed phrases, no gas fees, no blockchain network or wallet complexity. Our goal has been to remove as many of these friction points as possible. You can also interact purely with the traditional finance elements of our toolkit.

A valid government-issued ID. For business accounts, you'll also need your ABN/ACN and director details. Verification is completed digitally and typically takes a few minutes.

Every service charges a transparent fee. The exact cost is shown before you confirm any transaction - whether it be a global transfer, investment etc.

Email payments@liquid.net.au. For urgent account issues, flag the subject line as urgent. We aim to respond within a few hours during Australian business hours.