Cypher by Holt

Decoding Wealth for Everyone We believe that everyone has the same right to build wealth. Wealth is a key element of independence, freedom and security. No matter your income, savings history or financial habits, we’re here to help you take control of your money, create a plan and get started on a path to financial freedom. Our goal is to empower you with the knowledge, skills and resources needed to grow your wealth. Benefits • Send and receive money in minutes • Transfer funds globally in 180 countries • Transfer money in multiple currencies • Easy onboarding for employees • High credit limits available • Online purchases (no restrictions, like a traditional prepaid card) • Fraud monitoring & notifications • Customizable & brandable card programs • Customizable utility dashboards • A dedicated relationship manager Cypher is secured A regulated and licensed bank protecting your national security and digital assets. • 24/7 Network Monitoring • User Privacy Protection • Integrated Cybersecurity Technology • Safeguards for all Account Information • Multi-factor Authentication Wealth is key to independence, freedom and security. No matter your income, savings history or financial habits, take control of your money, create a plan and get started on a path to financial freedom.