Fractional US Shares for Business Travellers in Vietnam: A 2026 Guide
You are in Ho Chi Minh City for a week of client meetings. Your broker back home will not open an account for a foreign passport, and you want a slice of the US market while you are paid in stablecoins. Tokenised fractional US shares let you buy with USDT or USDC, in fractions, from the same app you
Quick answer: For a business traveller in Vietnam who is paid in USDT or USDC and cannot open a US brokerage account with a foreign passport, tokenised fractional US shares let you buy a slice of the US market from the same app, in fractions bought by dollar amount with USDT or USDC on Ethereum. This guide covers how it works, what it costs, and where the limits are, checked on 14 October 2026.
Key takeaways
- No US brokerage account needed. Tokenised US stocks and ETFs are bought and sold with USDT or USDC on Ethereum, so a foreign passport is not a barrier.
- Fractions, not whole shares. You can buy a dollar amount rather than a share count, which means a high-priced stock does not price you out.
- Self-custody. You hold the assets. Nobody can restore a lost recovery phrase, and prices move, so losses are possible.
- Not for US Persons. The service is not offered to the United States, the United Kingdom, mainland China or Hong Kong.
You are in a taxi on Nguyen Hue, the client call starts in four minutes, and your broker back home will not open an account for a foreign passport. The slides are still uploading.
Fractional US shares fix the second half of that. You buy a slice of a US stock or ETF by dollar amount, not by whole share, and you pay for it with the USDT or USDC already sitting in your wallet.
Can I buy a fraction of a US share for US$10 or US$20?
Yes. A fractional share is a slice of a whole share, bought by dollar amount rather than by unit. As stocknab.com explains, you say 'I want to spend $20 on this stock' and the system converts that into however many shares the current price buys, even if the result is 0.11 of a share. The gate is no longer the price of one whole share, it is how much you are willing to commit.
For a business traveller in Vietnam paid in stablecoins, the product itself answers the question: 100+ tokenised US stocks and ETFs, bought and sold with USDT or USDC on Ethereum, in fractions. There is no US brokerage account to open and no US bank transfer to complete.
Which platforms let a non-US passport holder buy fractional US shares?
Most of the well-known fractional brokers are built for US residents, and a non-US passport is often the first wall. stocknab.com is explicit that the service it describes applies only to eligible non-US users and that US users cannot use it. That is the inverse of the usual broker flow, and it is the reason a traveller paid in stablecoins looks outside the Fidelity and Schwab route.
The product's own facts are the answer here: 100+ tokenised US stocks and ETFs, bought and sold with USDT or USDC on Ethereum, in fractions. That is the offering, and it is what a non-US passport holder can actually use.
- Tokenised US stocks and ETFs: 100+ names, bought and sold with USDT or USDC on Ethereum, in fractions, from the same app.
- ToVest: tokenised fractional US stocks, funded by fiat or USDT/USDC, aimed at users outside the US, especially Southeast Asia (ToVest, accessed 14 October 2026).
- Interactive Brokers: 10,500+ US stocks and ETFs, US$1 minimum per order, US$0 on IBKR Lite (My Millennial Guide, accessed 14 October 2026).
- Fidelity, Robinhood, Schwab, Webull, SoFi and Stash: fractional minimums per order from US$1 to US$5, but the comparison does not state non-US passport eligibility (My Millennial Guide, accessed 14 October 2026).
What is the minimum order at Fidelity, Robinhood, Interactive Brokers and Schwab?
All four list a US$1 minimum per order and US$0 online commissions, with account minimums of US$0 where listed. That is the figure in My Millennial Guide's broker table, and it is the number to compare against the share price you actually want. A US$1 minimum means a US$20 order is twenty times the floor, not a rounding error.
| Broker | Minimum per order | Account minimum | Commissions | Securities covered |
|---|---|---|---|---|
| Fidelity | US$1 | US$0 | US$0 online | NYSE and Nasdaq listed stocks and ETFs |
| Robinhood | US$1 | None listed | US$0 | Most stocks and ETFs over US$1 a share |
| Interactive Brokers | US$1 | US$0 | US$0 on IBKR Lite | 10,500+ US stocks and ETFs |
| Charles Schwab | US$1 | US$0 | US$0 online | Most US-listed stocks and ETFs |
One caveat from the same comparison: the exact fill depends on the market price when the trade executes, plus any fees, spreads and minimum order requirements the broker imposes. The US$1 minimum is the entry gate, not a promise about the price you get.
How do I pay for a fractional share with USDT or USDC instead of a bank transfer?
The stablecoin route skips the bank transfer that a non-US passport holder often cannot complete. The product itself is funded with USDT or USDC on Ethereum, and it covers 100+ tokenised US stocks and ETFs. stocknab.com's guide describes funding with USDC, USDT, BNB, USD1, USD and others, so you pick based on what you already hold. ToVest describes the same model for tokenised fractional US stocks, with global access via fiat on-ramps and stablecoins including USDT and USDC.
- Confirm eligibility on the provider's official page first. stocknab.com states the service applies only to eligible non-US users and that US users cannot use it.
- Register and complete identity verification with the original document, name and number matching exactly, and switch on two-factor authentication (stocknab.com, accessed 14 October 2026).
- Fund the account with USDT or USDC on Ethereum. stocknab.com advises keeping the first deposit modest to confirm it arrives normally (accessed 14 October 2026).
- Place the order by amount, not by share count. Enter US$10 or US$20 and the system converts it at the current price, which may be a fraction of a share (stocknab.com, accessed 14 October 2026).
What happens to my fractional share in a stock split, merger or dividend?
A fractional share is not a special instrument. It behaves like a whole share in every corporate action, only the numbers come out in decimals. Fi Money, last edited 21 August 2024, gives the clean example: in a 5:4 split you receive 5 shares for every 4 you hold, so 26 shares become 32.5, and the 0.5 is a fractional share. The same arithmetic applies to the 0.25 of a share you might own after buying US$45 of a US$180 stock.
For a business traveller holding tokenised US stocks bought with USDT or USDC, the practical point is that a corporate action does not force you to top up to a whole share. A 3-for-2 split on 15 shares at US$180 becomes 22.5 shares at about US$120, the same US$2,700 position, per the Comparebrokers.co example. Your slice stays your slice.
What does a fractional share cost me in fees and spreads?
The headline commission at mainstream US brokers is zero, but the minimum order size is what decides whether a small top-up is possible at all. My Millennial Guide lists Fidelity, Robinhood, Interactive Brokers, Charles Schwab and Webull at a US$1 minimum per order with US$0 online commissions, and SoFi Invest at US$5. E*TRADE, on its own fractional shares page, states a minimum notional amount of US$5.00 and quantities up to three decimal places.
| Platform | Minimum per order | Commission | Account minimum | Source and date |
|---|---|---|---|---|
| Fidelity | US$1 | US$0 online | US$0 | My Millennial Guide, accessed 14 Oct 2026 |
| Robinhood | US$1 | US$0 | None listed | My Millennial Guide, accessed 14 Oct 2026 |
| Interactive Brokers | US$1 | US$0 on IBKR Lite | US$0 | My Millennial Guide, accessed 14 Oct 2026 |
| SoFi Invest | US$5 | US$0 | US$0 | My Millennial Guide, accessed 14 Oct 2026 |
| E*TRADE | US$5.00 notional | Not stated on page | Not stated on page | E*TRADE fractional shares page, accessed 14 October 2026 |
Frequently asked questions
Can I buy US stocks with USDT in Vietnam?
Yes, tokenised US stocks and ETFs can be bought with USDT or USDC on Ethereum, in fractions, from the same app. This is not a US brokerage account and is not offered to US Persons.
What is the minimum to buy a fractional US share?
You choose the dollar amount you want to spend, and the system converts it into a fraction of a share at the current price. The product scope is fractions bought by dollar amount with USDT or USDC on Ethereum, so there is no share count to meet.
Do I need a US bank account?
No. Funding is with USDT or USDC, so a US bank account is not required. This is one reason it suits business travellers paid in stablecoins.
Can I lose money?
Yes. Investing is not saving. Prices move, and losses are possible. Only commit what you can afford to lose.
Is this available to US citizens?
No. The service is not offered to US Persons, and it is not available in the United States, the United Kingdom, mainland China or Hong Kong.
Buy a slice of the US market
Open the app to buy tokenised US stocks and ETFs with USDT or USDC. New users get eSIM credit in the app eSIM tab, valid 12 months.
Terms and conditions
- Information only. This article is information only. It is not an offer or sale, not investment advice, and not a recommendation of any stock or ETF.
- For readers in the United States. This information is not an offer or sale, and not advice. Fizen is not offered to US Persons.
- Self-custody. You hold your own assets. Nobody can restore a lost recovery phrase. Investing, not saving: prices move and losses are possible.
- Eligibility. Tokenised US stocks and ETFs are not offered to the United States, the United Kingdom, mainland China or Hong Kong.
Sources
- How to buy fractional US shares, and the minimum, accessed 14 October 2026
- Fractional US Shares: Everything You Need To Know - Fi Money, last edited 21 August 2024
- Fractional Shares: Invest in Fraction Stocks & ETFs | E*TRADE, accessed 14 October 2026
- Fractional Share Marketplaces in 2026: Fees, Access, Tools, accessed 14 October 2026
- 15 Best Fractional Shares 2026 - Comparebrokers.co, accessed 14 October 2026
- 7 Best Brokerages for Fractional Shares in 2026 (From $1), accessed 14 October 2026
- ToVest: tokenised fractional US stocks, accessed 14 October 2026
- Comparebrokers.co fractional shares comparison, accessed 14 October 2026
Facts checked on 14 October 2026.
