FAQ

Dara is one account for a life lived in two places, made of two products. Dara Money is a multi-currency wallet with transfers in minutes at the mid-market rate, family Circles, and a card. Dara Property lets you buy, finance, and manage US rental property entirely from your phone, from wherever you live.

Both live in the same app: the money you hold, send, and grow sits next to the property you're building.

People running money in two countries: the US, the UK, Canada, Europe, and everywhere family is. Family on the other side can join your Circles and receive transfers in minutes.

For Dara Property, you don't need a green card, an SSN, or US credit history. Buyers close from Lagos, London, Nairobi, and Toronto without a single flight.

Wallets hold several currencies side by side, each with its own real account number where the corridor is live. Dara opens a corridor only when verification and payouts both work on each side.

Dara supports US dollars, naira, pounds, and Canadian dollars today, and adds a currency with every corridor that opens.

No, and that's deliberate. Dara is a cross-border money platform built on licensed, regulated partners: banking, card, and settlement services are provided by those partners, so your money is protected like a bank's while staying in your control.

Every balance sits with licensed, regulated institutions under bank-grade encryption, never with Dara alone.

One flat fee per transfer, shown before you confirm, never a markup hidden in the exchange rate. The whole fee schedule fits on one page.

For property, every fee is itemized in-app before you commit: Dara's, the lender's, and the manager's.

Join the waitlist at getdara.app. You verify your identity once, and after that, sending, saving, and property investing all run on the same account.

You hold the currency you earn in and the one your family spends, side by side, each with its own real account number where the corridor is live, so you can get paid like a local on both sides. Every balance, transfer, and card spend lives on one timeline, and Dara shows what you saved versus banks on fees and FX, month after month.

One card that spends either balance, anywhere, with Apple Pay and Google Pay. You see the exact rate and fee before you confirm, and you can freeze the card instantly from the app.

Esusu-style saving, automated. Save together with family: every contribution on schedule, every payout on time, with family approvals so shared money stays protected.

Dara Earn puts your balance to work: interest lands in your balance every day, so you earn on yesterday's earnings too. No lock-ups, no minimums, nothing to manage.

Earn is launching soon with an indicative target of 8.50% (base rate plus rewards), confirmed at launch. Rates may vary.

Set it, forget it. Auto-fund family upkeep on payday, top up a Circle on schedule, or convert the instant your rate hits.

That's the point. Circles are shared with family, approvals keep shared money protected, and transfers land in their bank or mobile wallet in minutes. Money on Dara moves in both directions: money in, money out.

Both ways on any live corridor. The US and Nigeria today, to any bank or mobile wallet, with more African corridors in build.

Minutes, typically. Your transfer lands in any bank or mobile wallet on either side, and you can follow its status on your timeline the whole way.

The real mid-market rate, never a markup hidden in the exchange rate. The rate you see before you confirm is the rate you get.

One flat fee per transfer, shown before you confirm. The full fee schedule fits on one page. No percentage tiers, no surprises at the last step.

Limits depend on your verification level and corridor, and Dara shows yours in-app before you send. You verify once, and everything else builds on that.

Yes. Dara is built for life in both directions. Rent from a Dara Property lands in your wallet next to the money you send, family contributes to shared Circles, and more two-way features are rolling out.

The way to buy, finance, and manage a US rental entirely from your phone, from wherever you live. No SSN, no US credit history, and not a single flight. Dara maps every step and stands up the accounts, the financing, and the management.

Anyone building US assets from outside the US, and US residents too. You don't need a green card, an SSN, or US credit history. Dara qualifies you on the property's rent, not on the passport you hold.

Dara uses DSCR-style financing through partner lenders: the home qualifies on the rent it earns, not your personal credit. Finance up to 70% of the purchase and compete like a cash buyer.

Financing is offered for investment (non-owner-occupied) purposes; terms are confirmed at qualification.

Everything a US purchase needs, stood up for you: an LLC, an EIN, and a US bank account, plus a pre-approval so you can start shopping. You verify once and Dara sets it all up in days.

Yes. Appraisal, inspection, title, and insurance are all handled digitally. You sign remotely, with no flight and no notary queue. Buyers close from Lagos, London, Nairobi, and Toronto.

Launch markets picked for rent, not hype: Houston, Dallas, Atlanta, Memphis, Cleveland, and Tampa, with more opening. Prices and yields for each market are shown in-app before you commit.

You choose from vetted local property managers in each market. They handle tenants and upkeep; you watch rent land in your Dara wallet.

Every fee is itemized in-app before you commit: Dara's, the lender's, and the manager's. Nothing is buried in an exchange rate or a closing line-item, and funding the deal through your wallet means no wire fees.

Dara supports the exit too: market data on your dashboard, and listing support through local partners when you're ready.

Your balances are held by licensed, regulated partners under bank-grade encryption, with fraud monitoring and instant card controls. Dara builds the experience on top, and your money never sits with Dara alone.

Established, licensed institutions, the same rails behind banks and fintechs you already know, including partners like Bridge by Stripe and Nomba. Regulated partners hold and move the money; Dara is the account you experience.

Biometric login, two-factor authentication, trusted devices, and instant card freeze. Security is on by default, not buried in settings.

Your account stays locked behind biometrics and two-factor authentication, and you can freeze your card instantly. Write to hello@getdara.app and the team will help you secure your account and restore access on a new device.

Your data is encrypted, used to verify your identity and meet regulatory requirements, and never sold.

Email hello@getdara.app or call (945) 370-1111. Guides when you want them, real humans when you need them.

Dallas, Texas, at 3232 McKinney Ave. We build for families whose money lives in two countries.

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