Live
A USD balance that travels with you
Open a SOTCoin account in minutes and keep your dollars somewhere you can actually see them, spend them, and grow them.
Designed around how Timorese live
Not a copy of an overseas bank — built for cash agents, family transfers, and merchants you already know.
Clear USD balance
A single home-screen number tells you exactly what you have, in the currency you already think in.
Move within the wallet
Internal SOTCoin transfers settle the moment you tap confirm, with no waiting and no cut.
One identity, every service
The same account you use for top-ups also pays for stays, services, school fees, and shop runs.
Fund your way
Top up through trusted cash agents, partner banks, or by receiving a payment.
Pay merchants by QR
Scan, confirm, done. No card reader, no minimum spend.
Earn while you spend
Every payment quietly accrues loyalty points you can cash back into the wallet.
What lives on the home screen
The balance you can see is the balance you control.
Open the app and you land on a calm dashboard: your dollar balance, your loyalty points, recent activity, and the actions you reach for most. Nothing is buried, and nothing is sold off-screen. Tap a transaction to see who, when, and what for — every entry is fully traceable to a person, a merchant, or a top-up.
Three steps to your account
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Sign up
Download the app, take a photo of your ID, and your USD wallet is ready before the kettle boils. -
Add money
Fund your balance from cash, a partner bank, or by receiving from another SOTCoin user. -
Start paying
Send, receive, and spend across the Oftimor ecosystem.
Send & Receive
Move money to friends, family, or merchants by QR, phone number, or handle.
Family Groups
Share one wallet or give each member their own, with parent overrides built in.
Common questions
Is SOTCoin a chartered bank?
No. SOTCoin is a digital USD wallet operating under Timor-Leste’s financial regulations. Your balance sits with regulated partner institutions and is available on demand.
What does it cost to open an account?
Opening and holding a SOTCoin account is free. There is no monthly fee and no minimum balance.
Can I use it outside Timor-Leste?
You can sign in and use most features from anywhere. Cash top-ups depend on local agents, but international transfers and digital payments travel with you.
What happens to my balance if I lose my phone?
Your account is tied to your identity, not the device. Sign in on a new phone after re-verifying and your balance is exactly where you left it.
Your USD account, ready in minutes.
No paperwork queues. No appointments. Just download and verify.