Meet Borderpay — A tax companion for the borderless worker

Finance

Borderpay

A tax companion for the borderless worker.

Every feature, from the first launch.

No account, no login, no cloud. Everything runs on your device and works fully offline — nothing in this post is hidden behind a wall.

What Borderpay does

Borderpay is a tax + residency tracker for global remote workers — the Brazilian developer paid by a US company, the Vietnamese designer paid by a German agency, the digital nomad invoicing four countries this year. Borderpay tracks where you were physically, where your income came from, and what the rough liability looks like in your home country. It is not a tax preparer. It is the binder you take to one.

What's in v1:

— Income ledger: per-invoice, source country + source currency + USD equivalent + payment rail (stablecoin / bank wire / Wise / Deel / Stripe). — Country-of-residence days log: tap to log a country/day. Borderpay computes annual day-counts and flags the 183-day-and-other rules per home country. — Currency conversion at received: each invoice locks the conversion rate at the day-of-receipt (not when filing) — Borderpay bundles a daily-rate snapshot for major pairs through 2026-04, and remembers the rate you enter for stablecoins. — Tax-rule primer: home-country quick-cards for the 8 largest remote-worker exporters (India, Philippines, Brazil, Argentina, Nigeria, Pakistan, Egypt, Mexico) covering: tax-resident definition, foreign-income rules, double-tax treaty headline, what forms you file. — W-8BEN / W-9 / equivalents: a printable cheat sheet of which form your US client needs and why. — Stablecoin awareness: Bridge / Bitwage / Deel Stablecoin flows are normalized into the same ledger. USDC and USDT logged as fiat-equivalents; the app reminds you to track wallet → bank movement separately for AML.

Free. Optional Borderpay Pro ($24.99/yr) adds CSV export, multi-year ledger, and accountant-share PDF.

A look inside

Tap any screenshot to open the full-resolution version.

What's inside

Income ledger — Per-invoice, rate-locked at receipt.
Residency day log — Tap a country per day; 183-rule flags.
Country primers — 8 home-country tax cards.
Forms cheat sheet — W-8BEN / W-9 / equivalents.

Why we built it

50M+ global remote knowledge workers (ILO). Deel + Remote.com serve the employer side. The worker side has no consolidated tool. Stablecoin payments (GENIUS Act 2025, Deel's stablecoin offering 2024-25) added an entirely new layer of cross-border flow with new reporting questions.

What makes it different

Borderpay is the only iOS app combining: (a) multi-currency income ledger with day-of-receipt rate-locking, (b) residency-day tracker with country-specific 183-day rules, (c) stablecoin-aware logging, (d) home-country tax primers. Deel/Remote are employer-side. Wise is a remittance product. TurboTax is US-only.

Who it's for

Freelancers, contractors, and small-business owners who want their numbers right at tax time without renting a SaaS to do it.

In one line: A tax companion for the borderless worker.

Try it

See the Borderpay app page for the full feature list, the info table, and support links.

Use Borderpay, found a bug, or have a feature request? Comments are open below — anonymous is fine.