# Private stablecoin account or Latin American global account?

ARQ, formerly DolarApp, is a neobank-style account for Latin America. We built Fiber to make receiving stablecoins, using earn and accessing supported markets simple without taking custody of your assets.

## THE SHORT ANSWER

Choose Fiber for neobank ease without neobank custody. Choose ARQ if its supported Latin American local rails and conventional US brokerage access are more important to you.

## On-chain privacy or local financial reach.

Both make dollar-linked value useful outside the US. We differentiate by combining that familiar account experience with non-custodial control.

| Topic | Fiber | Competitor | Takeaway |
| --- | --- | --- | --- |
| Core model | We are a non-custodial account. We cannot hold or access your assets, while the product still feels like a neobank. | A digital-dollar and digital-euro account with separate Main, Earnings and brokerage accounts delivered through local and regulated partners. | We make the control boundary explicit; ARQ emphasizes an integrated account ecosystem. |
| Privacy | We shield supported on-chain transfers, trades and earn activity using zero-knowledge proofs. | ARQ emphasizes account security, rates and regulated access; its public product materials do not position transaction privacy as the core feature. | We built Fiber for people who do not want their on-chain finances broadcast. |
| Market access | We offer supported tokenized stocks, commodities and crypto 24/7 with 0% Fiber trading fees. | ARQ offers 10,000+ US stocks and ETFs through a US brokerage account, with market hours, settlement and plan-dependent conversion fees. | ARQ offers conventional brokerage breadth; we offer always-on tokenized categories. |
| earn | We build earn into the balance and show it accruing continuously in real time. | ARQ’s USDc Earnings Account is separate from its Main Account, has a published minimum and pays yield daily based on plan. | We optimize for one live balance; ARQ uses a familiar savings-account model. |
| Regional rails | We provide eligible US account details for ACH and domestic wires with 0% Fiber deposit fees. | ARQ focuses on Latin America with local-currency top-ups and transfers plus US and European account details. | ARQ is more locally specialized; we serve global stablecoin earners. |

## Fiber fit

- You want to keep assets beyond our custody or access.
- You want supported activity protected with zero-knowledge privacy.
- You want 24/7 tokenized stocks, commodities and crypto in one account.

## ARQ fit

- You live in a supported Latin American market and need strong local rails.
- You prioritize ARQ’s local-currency ecosystem over non-custodial control.
- You prefer US brokerage stocks and ETFs over tokenized 24/7 markets.

ARQ’s local specialization is a real advantage. Fiber focuses on stablecoin income, privacy for supported on-chain activity and tokenized markets while remaining non-custodial.

## FAQ

### Is ARQ still DolarApp?

ARQ is the new brand for DolarApp. The company’s help center says existing accounts, balances and cards continued through the March 2026 transition.

### Which is better for stocks?

ARQ publishes access to more than 10,000 US stocks and ETFs through a regulated brokerage account. We offer supported tokenized stocks, commodities and crypto around the clock. The better model depends on whether you want conventional brokerage or tokenized, always-on access.

### Which is better for Latin America?

ARQ has a strong advantage where its local top-up and transfer rails are supported. We serve stablecoin-native users who prioritize privacy, non-custodial control and supported on-chain markets.

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Fiber is a financial technology company, not a bank. Banking services are provided by SSB, Member FDIC. Funds deposited at SSB are eligible for FDIC insurance up to $250,000 per depositor, per insured bank, subject to applicable limitations and FDIC rules.