Banking that moves like the tide.
Diaspora banking — one account for Americans, Caribbeans, and Africans, wherever the tide scattered us. Send and receive almost anywhere in the world, and never pay a monthly fee for the privilege.
You're on the list. When the tide comes in, you'll be the first to know.
In development. No accounts are being opened yet — the list is how you hold your place.
The Account
Built for one people, living on every shore
One account, every home
Dollars in America, Sand Dollar in The Bahamas, and local currencies across the Caribbean and Africa as corridors open — one app, one balance view, no juggling banks across an ocean.
Send & receive across the diaspora
Money in and out between America, the Caribbean, and Africa — and 100+ countries beyond — through licensed partner rails: bank deposit, mobile money, or cash pickup. Everywhere except sanctioned jurisdictions.
No monthly fees. Ever.
No monthly fee, no minimum balance, no maintenance charges. TideCay earns from card interchange and a small, honest currency margin — not from taxing its own people.
The Map
One people. Every shore.
America ↔ Caribbean ↔ Africa
It opens where its builders already run: Atlanta ↔ Nassau — Bahamians in Georgia supporting family, business, and home. Freight made that road; now money travels it. From there the triangle widens — Kingston, Port-au-Prince, Lagos, Accra, Nairobi — until the whole diaspora moves on one tide.
The Road In
Built in the open, licensed in stages
Phase One
The Founding List
The community gathers first — Americans, Caribbeans, and Africans across the diaspora who are done overpaying to reach their own money.
Phase Two
Partner Launch
Accounts and wallets open through licensed banking and payment partners — the licence is theirs, the experience is TideCay's.
Phase Three
The Sandbox
TideCay's own product tested under the Central Bank of The Bahamas' regulatory sandbox, on Sand Dollar rails.
Phase Four
Our Own Licences
Money transmission, then electronic money — until the day the house holds its own charter and answers to no partner.
Hold Your Place
The tide is coming in
One email when your corridor opens. Nothing else, ever.