Mana is a financial app for Global Filipinos: freelancers, nurses, seafarers, students and families who earn in dollars and support life in two countries. Hold US dollars, earn 3.5% APY, spend with the Mana Visa card, and send to GCash or any Philippine bank at the mid-market rate for a flat 25 bps per transfer. Remittance is one thing Mana does, not the whole product.