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How American senders fund people in Thailand
North Americans retiring or working remotely in Thailand receive money from home regularly. Local bank payout isn't available on this route from New York, so Grey runs it Grey-to-Grey. Your recipient holds a free Grey account with a USD balance. You send to their GreyTag from the US.
The dollars arrive instantly and free. They spend by virtual card at Bumrungrad and Bangkok Hospital, AIT, Assumption University and Chulalongkorn and most merchants, or withdraw as stablecoin.
How sending to Thailand works
Sign up
You open Grey in the US with your government-issued ID. Your recipient opens Grey in Thailand with their passport or local ID. Both take a few minutes.
Fund
Send dollars to your Grey balance by ACH, wire or FedNow from any US bank. Hold it there, and convert to USD only when the payment to Bangkok is due.
Send
Type the GreyTag, type the dollar amount, tap send. From New York to Bangkok there's nothing to convert and nothing to pay.
What this route costs
Card payments in Bangkok convert at the point of sale. Your recipient sees the exact dollar amount deducted for each purchase, at Bumrungrad and Bangkok Hospital or a corner shop. You see the USD cost of what you sent from New York.
Rate fixed at confirmation
No rate applies on this route. Dollars sent from New York arrive as the same dollars in Bangkok.
For a monthly allowance, that means the exact figure every time, with nothing lost in between.
Why a Grey-to-Grey transfer beats a wire here
A dollar wire from New York to a bank in Bangkok takes days, attracts a receiving fee, and then converts at the bank's rate. A GreyTag transfer lands in seconds, costs nothing, and your recipient spends dollars directly at Bumrungrad and Bangkok Hospital or anywhere else. For anyone living in Thailand on money from abroad, the card is the bank.
What your recipient gets in Thailand
Dollars in their own Grey account, instantly, sent from New York. They spend on a Grey virtual card at Bumrungrad and Bangkok Hospital, AIT, Assumption University and Chulalongkorn, shops, restaurants and online. They can also hold USD, EUR or GBP balances, or convert to USDC and withdraw to a wallet of their choice.
Grey virtual card
Rain Visa or Miden Mastercard, accepted across Bangkok and online.
Hold in dollars
Keep the balance in USD and spend as needed. No forced conversion.
Stablecoin withdrawal
Convert to USDC and withdraw to an external wallet when local cash is needed.
How to fund
US senders fund by ACH, wire or FedNow from Chase, Bank of America, Wells Fargo or any US bank. FedNow lands instantly where the sending bank supports it. From there, the GreyTag transfer to Bangkok is dollars to dollars, instant and free.
Local rail
Fund by ACH, wire or FedNow from any US bank.
Business income
Revenue in dollars or dollars funds the next payment to Bangkok.
Existing balance
Already funded? Convert to USD and send in the same session.
A monthly allowance to Bangkok is simplest with a standing balance and the recipient's GreyTag saved.
Who sends from the US to Thailand
Medical patients
Family topping up a relative's Grey balance during treatment in Bangkok.
Long-stay residents
Remote workers, retirees and teachers living in Thailand on income from abroad.
Travellers
Topping up your own Grey card before a trip so you spend dollars, not a marked-up local card.
Students
Allowances for students at AIT, Assumption, Chulalongkorn and Mahidol, spent by card.
The US has the world's largest immigrant population, and American firms pay contractors on every continent. On this route it's mostly people supporting someone who's physically in Bangkok: students at AIT, Assumption University and Chulalongkorn, patients, posted staff and long-stay residents. All of them can hold a Grey account there.
Why Grey for the US to Thailand
Thailand isn't a bank-payout corridor for Grey, from New York or anywhere else. It's a Grey-to-Grey corridor, and for students at AIT, Assumption University and Chulalongkorn, patients and posted staff in Bangkok that's the faster, cheaper option anyway.
No conversion from New York. Dollars land in your recipient's Grey account in Bangkok instantly. No local bank payout on this route.
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