# Multi-Currency Account System

From Day 1, Venzo Pay supports an 8-currency bank account structure, allowing users to hold and manage multiple fiat currencies alongside their crypto assets:

| Currency         | Code | Region               |
| ---------------- | ---- | -------------------- |
| US Dollar        | USD  | United States        |
| Euro             | EUR  | European Union       |
| Japanese Yen     | JPY  | Japan                |
| Singapore Dollar | SGD  | Singapore            |
| Hong Kong Dollar | HKD  | Hong Kong            |
| Swiss Franc      | CHF  | Switzerland          |
| UAE Dirham       | AED  | United Arab Emirates |
| Offshore RMB     | CNH  | Offshore China       |

This multi-currency structure minimizes foreign exchange fees when traveling or shopping internationally. Users can hold balances in multiple currencies simultaneously and set spending preferences to automatically select the optimal currency for each transaction.

***

### IBAN Integration

Each Venzo account comes with a dedicated International Bank Account Number (IBAN), allowing users to:

* Receive fiat deposits directly from employers, clients, or other bank accounts
* Set up recurring payments and direct debits
* Transfer funds to and from traditional bank accounts
* Receive international wire transfers

The IBAN integration makes Venzo a viable primary bank account replacement, enabling users to route their salary directly into Venzo and immediately deploy it into yield-generating vaults.


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