“Can a multi-currency business account become the default global finance OS for non-US SMBs and platforms, displacing both legacy banks and Stripe?”
Founded 2015 as a cross-border FX solution for SMBs frustrated by traditional banking markups. Expanded into a full multi-currency business account, then layered on spend management, corporate cards, and bill pay to become a finance OS for global SMBs. Launched embedded finance / BaaS APIs around 2021, positioning itself as a Stripe-alternative for non-US platforms needing global accounts, FX, payouts and card issuing. Now competing directly with Stripe, Wise, Rapyd, and Adyen across both direct-SMB and platform-API channels.