The platform

One platform.
Ten products.
No more SaaS sprawl.

Banking, AP, AR, tax, compliance, factoring, cards, onboarding, reports — and a digital employee that runs it all. Pick the modules you need, ignore the rest, never integrate three vendors again.

Module 01 · Banking

Banking infrastructure, not a bank.

Open local accounts in 40 currencies. Move money over 26 rails. One balance, one ledger, one API.

Global Accounts
Local IBAN, sort, routing, BSB
Transfers NEW
ACH, RTP, FedNow, SEPA, wire, SWIFT
Conversions NEW
FX at mid-market + 0.4% spread
Recipients
Saved beneficiaries, bulk import
Pending Payouts queue
Approve, reject, batch, schedule
Transaction History
Searchable ledger, exports, audit
Create Payout Link
Hosted page — no integration needed
Balances
Per-currency, per-entity, per-team
$
USD · Operating
ACH · 021000021 · 8847…2103
$2,847,201
Available
EUR · Frankfurt
IBAN DE89 3704 0044 0532 0130 00
€1,204,800
Available
£
GBP · London
Sort 12-34-56 · 8847 2103
£412,300
Available
¥
JPY · Tokyo
001-2447-12345678
¥84,200,100
Available
R$
BRL · São Paulo
PIX · 12.345.678/0001-90
R$1,840,200
Available
Module 02 · AP Automation

Accounts payable that runs itself.

Vendors onboard in your portal. Invoices arrive, get OCR'd, matched to POs, routed for approval, paid on the right rail, and synced to your GL. You get coffee.

Vendors
Onboarding, KYB, payment prefs
Invoices
OCR, 3-way match, line items
Budgets
Spend caps, dept & project
Approvals
Multi-step, conditional rules
To Do queue
Tasks for approvers + AP team
AP Wallet NEW
Pre-funded card for vendor pay
NetSuite / QBO sync
Two-way, real-time, auditable
Email-in inbox
Forward invoices from Gmail
To Do queue
28 invoices
AWAirwallex$48,200Due Oct 12Approved
ACAWS · usage$12,840Due Oct 14Review
FGFigma · seats$3,420Due Oct 15Approved
CLCloudflare Ent$8,200Due Oct 18Pending
TSTanaka Studios¥2,400,000Due Oct 22Approved
VRVercel$1,840Due Oct 25Review
Approved
$184k
In review
$32k
Pending
$48k
Module 03 · AR Automation

Get paid faster. Get paid all of it.

Send invoices, automate dunning, apply cash with AI, dispute with evidence, score credit risk before you ship. Your DSO, dropping.

Clients
CRM-grade client records
Invoices
Draft, send, schedule, recurring
Collections
Auto dunning, smart escalation
Cash Application
AI-matched payments to invoices
Disputes
Evidence pack, response tracker
Credit Risk
Real-time score on every order
DSO this quarter
28 days
▼ 14 days vs Q2
$2.4M
COLLECTED THIS WEEK
📩 Auto-dunning sent14 invoices$184K
✓ Cash applied (AI)82 payments$1.2M
⚠ Dispute openedLattice Inc.$48K
↑ Credit downgradeHexion · Net 30 → 15FLAG
Module 04 · Tax & Compliance

1099s that file themselves.

Collect W-9 / W-8 in the vendor portal. TIN match in real time. Backup withhold automatically. File 1099-NEC, MISC and K to the IRS. Done.

Tax Forms
W-9, W-8BEN, W-8BEN-E, W-8ECI
TIN matching
Real-time IRS TIN/Name match
Backup withholding
Automated 24% calc + deposit
1099 e-filing
NEC, MISC, K to IRS via TaxBandit
Sales tax (Avalara)
VAT / GST / sales tax on invoices
KYB & sanctions
OFAC, EU, UN watchlists
Vendors filed
14,847
▲ 100% on file
1099-NEC sent
8,422
filed Jan 31
2025 filing breakdown
1099-NEC8,422
1099-MISC2,184
1099-K1,247
W-8BEN1,840
W-8BEN-E920
Status
All 14,847 vendors compliant for tax year 2025
Module 05 · Factoring · NEW

Vendors get cash in 24 hours.
You keep your terms.

Offer your vendors instant cash on approved invoices — Payouts underwrites, advances, and collects. Zero balance-sheet impact for you, happier vendors for free.

Instant decisioning
ML underwriting in < 60s
Vendor self-serve
Toggle in vendor portal
Risk on us
Non-recourse, off your books
Transparent pricing
1-3% of advance, no hidden fees
1
Invoice approved by buyer
INV-2418 · Net 60 · $48,000
+0d
2
Vendor taps "Get paid now"
In their Payouts portal
+5m
3
Underwriting decision
Approved · 1.8% advance fee
+12m
4
$47,136 wired to vendor
Same day, real-time rail
+24h
5
Buyer pays Payouts on Day 60
Original AP terms preserved
+60d
Module 06 · Cards

Virtual + physical cards. Issued instantly.

Pre-funded vendor cards, employee expense cards, single-use checkout cards. Spend controls, MCC blocks, real-time sync to AP.

Virtual + physical
Stripe, Marqeta-grade issuing
Spend controls
Per-vendor, per-MCC, per-time
Single-use cards
For vendor & checkout payments
Real-time controls
Freeze, fund, set limits via API
PAYOUTS·VIRTUALVISA
4815 ●●●● ●●●● 2103
SARAH CHEN
EXPENSE · ENGINEERING
02/29
PAYOUTS·AP·SINGLEMASTERCARD
5247 ●●●● ●●●● 8847
AWS · INV-1248
$12,840 · LOCK
10/26
PAYOUTS·VIRTUALVISA
4815 ●●●● ●●●● 9120
VENDOR · TANAKA
¥2.4M MONTHLY
12/27
PAYOUTS·PHYSICALVISA
4815 ●●●● ●●●● 4421
JONAS K.
TRAVEL · OPS
04/28
2,847 cards issued · $4.2M MTD spendIssue new card →
Module 07 · Onboarding · NEW

Vendors onboard themselves.

A hosted, white-labelable portal collects everything: KYC, KYB, tax form, bank verification, POA, identity. Your AP team stops chasing.

Hosted portal
Or embed via iframe / SDK
Configurable requirements
By vendor type, country, $ tier
Plaid + bank verify
3,500+ banks, instant verify
White-label
Your logo, colors, domain
Vendor onboarding · LATTICE PLAY GMBH
5 of 7 complete
71%
Company detailsDone · 2m
KYB · Beneficial ownersDone · 8m
Tax form W-8BEN-EDone · 4m
Bank verification (Plaid)Done · 1m
Identity (passport)Done · 2m
Proof of addressIn progress
Sign master service agreementAwaiting
Module 08 · Reports & Insights

Every dollar, accounted for.

Real-time dashboards. Configurable reports. Audit-grade exports. Your CFO, your auditors, and your board all see the same numbers.

Live dashboards
Cash position, AP/AR, by entity
Audit logs
SOX-grade, immutable, exportable
Custom reports
Drag-drop builder + scheduled
GL sync
NetSuite, QuickBooks, Xero, SAP
Total volume YTD
$48.2M
Avg payout
$1,847
Cost per payout
$0.84
Volume by month
$8.2M Sept
📊 Generated 1,247 reports this monthOpen report builder →

One platform. Pick the modules. Pay-as-you-pay.