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Tell us where the money needs to go. We handle the rest.

USD
GBP
EUR
AED
USDC
+ 30 more

Plaitr is the financial operating system for businesses outside the US. Like Ramp, built for global businesses. Banking, payments, payroll and accounting stay connected, and we handle the rails underneath.

Plaitr
Plaitr dashboard: total balance, currency accounts and money movement
Product

Everything you need. Nothing you don’t.

One balance for payments, stablecoins and books.

Activity · today
  • Stripe payoutACH · USD
    +$42,120
  • Amit KulkarniWire · INR
    −₹1,84,000
  • Acme LtdWire · GBP
    +£18,400
  • Sofia ReyesSEPA · EUR
    −€4,200
  • Nomu Pte LtdFAST · SGD
    +S$9,240

Accounts & payments

Receive USD, GBP, EUR and AED through local accounts, then pay vendors and contractors worldwide. Plaitr handles the rail underneath.

Assets
On-chain
Total$105,450
  • USDACH · Wire
    18,400.00$18,400
  • EURSEPA
    24,600.00$26,540
  • GBPFaster Payments
    9,640.00$12,240
  • USDCStablecoin
    48,110.00$48,110

Payroll & bulk payouts

Pay your team and vendors across countries from the same balance. Upload a CSV or pay a saved group with approvals and roles.

Reconciliation
AI
  • Stripe payoutMatched
    Revenue+$12,430
  • AWS · monthlyMatched
    Infra−$842
  • Amit · contractorMatched
    Payroll−$4,200
  • Wire · Acme LtdMatched
    Revenue+$18,000

Accounting & reconciliation

Your records follow the money. Transactions are matched and reconciled as they settle, then exported to Xero, QuickBooks, NetSuite or CSV.

Approvals & roles

Set who can create, approve and move money. Keep your finance team in control without slowing down payments.

Controls

Move fast. Stay in control.

Payroll, approvals, and month-end on one account. Guardrails included.

Payroll and bulk payouts.

Run payroll across countries from one balance. Upload a CSV or pay a saved group with one click.

Payroll · April run
2 / 4
  • Mar 27
    Nova Labs Inc.····7810 · Chase
  • Apr 8Due today
    Alex Whitmore····3356 · Barclays
  • Apr 11Due soon
    Ember Solutions····6029 · Deutsche Bank
  • Apr 26Due soon
    Meridian Pte Ltd····5187 · DBS

Approvals and roles.

Require sign-off on transfers over a threshold. Set spend limits per person and per project, and per card when cards launch.

Approval workflow
3 of 5 approvals
  • Priya BalachandranHead of Ops
    Approved
  • Mateus FerreiraFinance Lead
    Approved
  • Amara OkonkwoController
    Approved
  • Awaiting CFO reviewCFO
    Pending
  • Awaiting CEO reviewCEO
    Pending
Blocked today3

Auto-reconciled ledger.

Every payment and conversion posts to your books the moment it lands. Close the month in an afternoon.

Audit trail · April
6 entries
VendorAmountCategory
  • Amazon Web ServicesAWS$18,327.61Infra
  • StripeStripe$12,943.88Payments
  • FigmaFigma€21,504.29Design
  • SlackSlack$2,000.00Software
  • NotionNotion−£1,200.90Software
  • QuickBooksQuickBooks$15,000.00Accounting
AI reconciled100%

One place to move money globally.

Receive money, hold multiple currencies, pay anywhere and keep your financial records in sync. Plaitr handles the movement underneath.

Plaitr is a financial technology company, not a bank. Banking services are provided by licensed partner institutions.

Inside the account

Balances, payments and books on one surface.

Balances$105,450.00
  • USDACH · Wire$18,400.00
  • EURSEPA€22,140.00
  • GBPFaster Payments£18,400.00
  • USDCStablecoin$48,110.00
Balances across currencies
PaymentToday
€22,140.00
  • Initiated09:41
  • Screened09:41
  • In transit09:42
  • Settled09:44
A payment, end to end
ReconciliationApril
  • Stripe payoutRevenue+$42,120.00Matched
  • AWSInfrastructure−$8,240.00Matched
  • FigmaDesign−€21,504.29Matched
Unreconciled
0
Matched as it settles

Wherever your business operates.

Multi-currency accounts on local rails. USDC on Ethereum, Base, Arbitrum and Solana, plus USDT on Tron, all in the same balance. Send to 30+ currencies from one dashboard.

Payments

Tell us who to pay. We handle the rail.

Pay vendors, contractors and payroll across countries from the same balance. Plaitr picks the available rail underneath, so your team does not need to manage banks, providers or chains.

Accounting

Your books follow the money.

When money moves through Plaitr, the transaction and the financial record stay connected. Payments are matched and reconciled as they settle, then exported to your accounting system.

Rails

The rail is our problem.

Bank rails, SWIFT and USDC on every major network can all be part of the movement underneath Plaitr. Money comes in and goes out over whichever one fits. Your team just sends a payment.

Want to see it against your own payment flow?

Book a demo
Before & After

One tool, not four.

Same payment. One stack costs $75 and takes days. The other is free and instant.

The old way3–4 days

Four tools, four handoffs.

Money and information hop between systems that don’t talk to each other. Finance stitches it back at month-end.

  1. 1
    Chase
    ChaseWire initiated
    $35running · $35
  2. 2
    Gusto
    Gusto payrollContractor added, run scheduled
    +$18running · $53
  3. 3
    Wise
    Wise transferUSD → INR conversion, 1.5% spread
    +$22running · $75
  4. 4
    QuickBooks
    QuickBooksManual match at month-end
    hoursrunning · $75
Total added cost~$75& opaque FX
PlaitrOne click

One account. One click.

Same balance runs payments, FX and books. Amit gets paid on his local rail; the ledger updates while it’s happening.

From
$4,200.00Plaitr USD account
To
₹3,50,000Amit Kulkarni · Delhi
Local railIMPS · instant
FXMid-market
LedgerAuto-matched
Fees$0
Total added cost$0· instant
FAQ

Questions we get asked

What is Plaitr?
Plaitr handles global money movement for businesses outside the US. You can receive money, hold USD, EUR, GBP and AED, pay vendors and teams across countries, and keep the records connected. The customer asks for the result; Plaitr handles the rails underneath.
How is Plaitr different from Ramp?
Ramp built a strong financial product for US businesses. Plaitr is focused on the harder global money movement problem: businesses outside the US receiving and sending money across countries and currencies. We start with accounts and payouts, then build more of the financial infrastructure underneath.
Who is Plaitr for?
Businesses that receive or send money across countries and do not want to stitch together banks, payment providers and spreadsheets. This includes software companies, agencies, exporters, logistics companies and other cross-border businesses.
We are incorporated in the US. Is Plaitr for us?
If your business mostly moves money inside the US, Plaitr is probably not the product you need. If your US entity receives or sends money across countries, especially across multiple currencies, that is where Plaitr is built to help.
What is live today?
Live today: USD, EUR, GBP and AED accounts, inbound SWIFT, global payouts, USDC on Ethereum, Base, Arbitrum and Solana and USDT on Tron and Solana, all in both directions, payroll and bulk payouts, approvals and roles, and automatic reconciliation. Cards, treasury and credit are not live yet. Invoicing, payment links and Stripe sync are coming soon.
How do stablecoins fit in?
Stablecoins are just another rail underneath Plaitr. USDC runs in both directions on Ethereum, Base, Arbitrum and Solana, and USDT runs in both directions on Tron and Solana, so you can be paid in either or pay in either. Your team does not need to manage wallets or understand the chain. You ask Plaitr to make the payment and we handle the route.
Which networks can I be paid on?
USDC on Ethereum, Base, Arbitrum and Solana, and USDT on Tron and Solana. Tron matters because it is the rail suppliers and distributors across Asia, Africa and LATAM quote by default, and it works for payouts as well as deposits. Send your customer whichever address matches what they already hold, and the payment lands in the same balance either way. There is no claim step and nothing to move yourself. Transfers between networks run over Circle's CCTP, so the USDC you end up with is issued by Circle rather than held by a bridge.
Is Plaitr a bank?
No. Plaitr is a financial technology company. Account opening and fiat rails are provided by licensed partner institutions. On-chain balances are held in the customer's own self-custodial Squads smart account. Plaitr does not hold deposits or private keys.
How does the accounting work?
The records follow the money. Transactions moving through Plaitr are matched and reconciled as they settle, so your finance team does not have to rebuild the payment history later. Records can be exported to Xero, QuickBooks, NetSuite and CSV.

Banking for global business.