PHASE 03 · MONETIZE

The Financial Stack

Enterprise-grade banking and payment infrastructure. Optimize your business cash flow.

The Money Core

DOMESTIC BACKBONE PLUS GLOBAL TRANSFERS.

Mercury

US BUSINESS BANKING

FDIC-insured US checking built for startups, with high-yield treasury options.

  • No monthly fees
  • High-yield treasury options
  • Modern API + integrations
BEST FOR: US CASH

Wise

GLOBAL ACCOUNTS

Multi-currency accounts and low-fee transfers for moving money across borders.

  • Mid-market FX rates
  • Local details in 10+ currencies
  • Pay in 70+ countries
BEST FOR: CROSS-BORDER

The Global Wallets

EVERYDAY SPEND AND PLATFORM PAYOUTS.

Revolut

CARDS & FX

Multi-currency business accounts with physical/virtual cards and competitive FX.

  • Hold and exchange multiple currencies
  • Physical & virtual cards for teams
  • Low FX fees for travel & SaaS
BEST FOR: DAILY SPEND

Payoneer

PLATFORM PAYOUTS

Collect payouts from marketplaces, affiliates, and clients in multiple currencies.

  • Global receiving accounts
  • Marketplace & affiliate integrations
  • Batch withdrawals to local banks
BEST FOR: MARKETPLACES

The Checkout Stack

CHARGE CUSTOMERS AND STAY TAX-COMPLIANT.

Stripe

PAYMENT GATEWAY

The default payment platform for SaaS and online businesses.

  • Subscriptions & invoices
  • Global cards & wallets
  • Powerful APIs & webhooks
BEST FOR: CHECKOUT

Paddle

MERCHANT OF RECORD

Handles global sales tax, invoicing, and compliance as your merchant of record.

  • Global VAT & sales tax handled
  • Subscription & SaaS billing
  • Chargeback & compliance shield
BEST FOR: TAX & COMPLIANCE

The Crypto Loop

ON-RAMP AND PROTECT DIGITAL ASSETS.

Coinbase

CRYPTO ON-RAMP

Regulated exchange for buying, selling, and holding major digital assets.

  • Fiat on/off ramp
  • USDC yield options
  • Beginner-friendly UX
BEST FOR: LIQUIDITY

Ledger

HARDWARE WALLET

Offline cold storage for protecting larger crypto holdings long term.

  • Secure element chip
  • Offline key storage
  • Supports major chains
BEST FOR: CUSTODY