For businesses
Pay vendors globally
Wire, card, or wallet out; we normalize the workflow so finance teams see narrative context—not just status codes.
Multi-currency sending
Send payments from the currency you hold. We deliver into your vendor's preferred rail and denomination.
Flexible deduction
Fund from bank debit, card, on-us balances, or credit lines. Mix rails on a per-transaction basis.
Any rail, any method
We settle to bank accounts, mobile wallets, cash outposts, or cards with a single API call.
For people
The ultimate way to shop + send
Shop internationally
Spend in your native currency while merchants receive theirs. Transparent FX with no surprise fees.
- No foreign transaction fees
- Real-time conversion stories
- Adaptive rewards routing
Send money P2P
Move value to friends and family worldwide with instant delivery to their rail of choice.
- Instant global transfers
- Split bills across borders
- Gift or stipend flows
ozCard
Dynamic payment routing
Issue a single ozCard per customer and let it route across linked funding sources based on rewards, limits, or policy.
Smart routing
Route based on rewards, balances, compliance thresholds, or manual overrides.
Multiple methods
Link banks, cards, wallets, and treasury accounts. Decide priority per merchant.
Easy onboarding
Low-code components for KYC and card binding with concierge verification.
Embedded finance & wallets
Designed for platforms
eWallet integration
Embed global spend + send experiences with white-label controls.
- Brandable UI kits
- Simple API + webhook stack
- Real-time balance & FX
Embedded finance
Add payments to your SaaS, marketplace, or platform without spinning up licenses.
- Custom checkout flows
- Configurable KYC journeys
- Concierge operator support