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Why the amount is held in dollars

Protection, not growth.

The amount is held in dollars so it doesn't shrink in a volatile currency or wobble with markets while it waits to be claimed or spent.

This is about keeping a promise intact: what you sent is what arrives. It is not a savings product — it earns nothing, and we'd be suspicious of anyone who told you otherwise.

Your recipient can hold it as dollars and send it onward whenever they like.