“Can a stablecoin-native cross-border wallet replace fragmented bank accounts for the globally mobile workforce?”
Morse (formerly Sling Money) is built by Avian Labs to serve expats, freelancers, and remote workers who earn in one currency and live in another. The product has evolved from a basic cross-border transfer app into a stablecoin-native financial account: users hold 40+ currencies, receive USD and EUR via virtual accounts powered by Bridge, settle on Solana via USDC/EURC/USDP, and spend globally on a Visa debit card. The European entity obtained MiCAR authorisation in 2026, reflecting a regulatory-first approach to crypto-asset services as stablecoin rails become central to the product.
Morse discloses Bridge as its banking provider, according to the Embedded Finance Index 2026.
Morse does not disclose a bank charter of its own; its banking services are provided through Bridge.
Morse's cards run on Visa.
Morse runs its ledger on Modern Treasury.
Morse uses Bridge for FX and cross-border payouts.
Morse's crypto products run on Bridge.
The Embedded Finance Index 2026 maps 6 layers in Morse's stack: Banking / BaaS (Bridge); Card network (Visa); Ledger (Modern Treasury); FX & payouts (Bridge); Crypto (Bridge); Treasury (Modern Treasury).
Morse is headquartered in Austin, TX, USA (also Avian Labs Netherlands B.V., Amsterdam, Netherlands).
Get a read on where your own stack stands against Morse and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.