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Finance for web3 teams. Treasury, payouts, payroll and books in one account.

USD
GBP
EUR
AED
USDC
+ 30 more

Your money is on-chain. Your costs are not. Hold stablecoins beside USD, EUR, GBP and AED in a smart account your company owns, pay contributors and vendors across 90+ countries, and close the month without rebuilding it from block explorers.

  • Self-custodial treasury
  • Stablecoin in and out
  • Contributor payouts
  • Global payroll
  • Auto-reconciliation

Non-custodial by construction. Your treasury sits in a Squads smart account your company owns, thresholds are enforced on-chain, and Plaitr never holds your funds or a key.

Plaitr
Plaitr dashboard: total balance, currency accounts and money movement
The stack

All of it. One account.

A multisig that cannot pay a hosting invoice, an exchange account doing duty as an off-ramp, a payout provider, and a spreadsheet reconciling all three. Plaitr is the one account that does both sides of that and keeps the 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

Treasury you still own

Hold stablecoins beside USD, GBP, EUR and AED in a Squads smart account your company owns. Signing thresholds are enforced by the contract, not by our policy engine.

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

On-ramp & off-ramp

Your account has its own wallet address, so stablecoins arrive with no claim step. Convert at mid-market and pay out to a bank — no exchange account in the middle.

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

Contributor payouts & payroll

Pay contributors, grantees, vendors and the core team across 90+ countries, in stablecoin or local currency, from the same balance. One at a time, by CSV, or over the API.

Signers, approvals & books

Set who can create and who must approve, per entity. Every transfer, conversion and reward posts to the ledger as it settles, then exports to Xero, QuickBooks or NetSuite.

Controls

Ship fast without handing over the keys.

Contributor runs, signing thresholds and month-end on one account — with the controls enforced on-chain rather than by our policy engine.

Contributor runs and payroll.

Pay the core team, the contributor bench and a grant cohort from one balance. A saved group or a CSV, in stablecoin or local currency, in a single run.

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

Signers, thresholds and roles.

Require sign-off above a threshold and set limits per person and per entity. The signing rule itself lives in your smart account, so the control holds even if our dashboard is down.

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

Books an auditor accepts.

Every payout, conversion and incoming transfer posts to the ledger as it settles, with the counterparty, the rail and the applied rate attached. Close the month in an afternoon instead of reconstructing it from a block explorer.

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%
Custody

We cannot move your money. By construction.

Your treasury sits in a Squads smart account your company owns, signed by keys only your team can unlock. Plaitr never takes custody of your funds, never holds them in transit, and never holds a key that could move them. The threshold that authorises a payment is enforced by the contract on Solana, not by anything we run.

Squads ProtocolSmart accountSolanaSolana
Owned byNorthwind Trading Pte Ltd2 of 3
Authorized signers
  • YouFounder · Privy walletCan sign
  • Priya R.Finance · Privy walletCan sign
  • Marcus L.Operations · Privy walletCan sign
  • PlaitrPlaitrNo key · no access · no custodyCannot sign
PrivySigning via PrivyEnforced on-chain
Payment · awaiting signatures2 / 3
$48,200.00Acme GmbH · SEPA
signedAwaiting Marcus L.
Plaitr cannot sign, release or reverse this payment

Only your signers can sign.

Each signer's key is split two ways — one share sealed in a secure enclave, one that unlocks only with their own login. Both are required to produce a signature. Plaitr holds neither.

The threshold is enforced on-chain.

Your signing rules live in the Squads smart account on Solana, not in our policy engine. There is no admin switch, no override and no support path that moves money without your signers.

Your keys are yours to take.

Any signer can export their full private key at any time, in standard Solana format, and use it in any wallet. The account lives on-chain and keeps working whether or not Plaitr does.

Built onSquads ProtocolSquadsPrivyPrivySolanaSolana

Plaitr holds no customer funds at any point. On-chain balances are self-custodial in your own smart account. Fiat accounts and local rails are provided by licensed partner institutions, which hold the fiat leg under their own licensing and custody. Read the security architecture.

The whole money stack, in one account.

Hold your treasury on-chain, move it to fiat at mid-market, pay contributors and vendors anywhere, and keep the books written as it happens. Plaitr handles the rails underneath.

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

Inside the account

Stablecoins, fiat and the ledger 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 contributors are.

Pay into 90+ countries and 30+ currencies from one dashboard. USDC on Ethereum, Base, Arbitrum and Solana, plus USDT on Tron and Solana, in the same balance as your USD, EUR, GBP and AED — so a contributor takes whichever one they actually want.

Off-ramp

Stablecoin in. Bank transfer out.

Your account has its own wallet address, so USDC arrives next to your fiat with no claim step and nothing to move yourself. Convert at mid-market with no spread, then pay out over ACH, wire, SEPA or local rails. No exchange account, and no one on the team wiring company money from a personal one.

Payouts

Tell us who to pay. We handle the rail.

Contributors, grantees, vendors and the core team, across 90+ countries, from the same balance. Each payee takes stablecoin or their own currency, whichever they asked for, and your team never picks a network or manages a provider. Stablecoin payouts are gasless: Plaitr pays the network fee.

Books

The ledger is written as the money moves.

Because the payment goes through Plaitr, the transaction and the journal entry are created together — counterparty, rail and applied rate attached, fiat and on-chain alike. Nothing is reconstructed from a block explorer at quarter-end, and the period exports to Xero, QuickBooks, NetSuite or CSV.

Want to see it against your own payment flow?

Book a demo
Before & After

One account, not four.

Same contributor payout. One path crosses four tools, four fee lines and a quarter-end cleanup. The other is one transfer at mid-market, gas included, with the ledger already written.

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
    Ethereum
    The multisigTreasury is safe, and cannot pay a hosting invoice
    —running · —
  2. 2
    Chase
    Exchange, then the bankUSDC sold on someone's account, wired to the company
    $35running · $35
  3. 3
    Wise
    Payout providerContributor paid in local currency, 1.5% spread
    +$22running · $57
  4. 4
    QuickBooks
    BookkeeperChain and bank matched by hand at quarter-end
    hoursrunning · $57
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
DepositUSDC · no claim step
FXMid-market, no spread
GasPlaitr pays it
LedgerAlready written
Total added cost$0· instant
FAQ

Questions we get asked

What is Plaitr?
Plaitr is the finance stack for web3 teams. One account holds your stablecoins alongside USD, EUR, GBP and AED, pays contributors and vendors in 90+ countries, runs payroll, moves between stablecoin and fiat at mid-market, and posts every movement to a ledger as it settles. The treasury stays in a self-custodial smart account your company owns, so Plaitr never holds your funds or your keys.
Who is Plaitr for?
Teams whose money is on-chain and whose costs are not: protocols, foundations and DAOs paying contributors and grantees; crypto-native startups and infrastructure companies that raised in stablecoins and pay vendors in fiat; funds, market makers and trading desks running several entities; and validators, miners and node operators earning on-chain while paying hosting and hardware invoices in local currency.
Can I convert USDC to USD and send it to a bank account?
Yes. Your Plaitr account has its own wallet address, so stablecoins arrive directly with no claim step, and the balance sits next to your fiat. Convert at mid-market with no spread, then pay out over ACH, wire, SEPA, Faster Payments or local UAE rails. There is no personal exchange account anywhere in the path, which is the step most teams are trying to get rid of.
Can I pay contributors in their local currency?
Yes. Pay in stablecoin if the contributor wants stablecoin, or in their local currency if they want that instead, both from the same balance. Payouts reach 90+ countries and 30+ currencies, one at a time, by CSV upload, or over the API. Stablecoin payouts are gasless on every plan: Plaitr pays the network fee rather than passing it on.
Can Plaitr run payroll for a distributed team?
Yes. Payroll and bulk payouts run from the same balance the money arrived in, on a saved group or a CSV, across countries and currencies in one run. Plaitr is not an employer of record and does not file payroll taxes on your behalf; it moves the money and records it, and your employment and tax obligations stay with you and your advisers.
Does Plaitr replace our multisig?
No, it is the same kind of thing and you keep the control model. Your balance sits in a Squads smart account on Solana that your company owns, with signing thresholds enforced by the smart contract itself rather than by Plaitr's policy engine. What Plaitr adds is the half a multisig cannot do on its own: fiat accounts, local payout rails, payroll, approvals across entities, and books that reconcile as the money moves.
Who holds our money?
You do. Plaitr is self-custodial and holds no customer funds at any point, including in transit. On-chain balances sit in a Squads smart account owned by your business, and transactions are signed from Privy embedded wallets held by the signers you authorize. Signature thresholds are enforced by the smart contract, so Plaitr cannot initiate, alter, release or reverse a payment, and never stores or controls a private key. There is no admin override and no support path that moves your money without your signers. Each signer's key is split two ways, with one share sealed in a secure enclave and one that unlocks only with their own login, and any signer can export their full private key at any time in standard Solana format and use it in any wallet. If Plaitr stopped operating, the account stays live on Solana and your team can move funds by interacting with the contract directly. Fiat accounts and local rails are provided by licensed partner institutions, which hold the fiat leg under their own licensing and custody.
How does the accounting work for on-chain activity?
The records follow the money. Because the payment goes through Plaitr, the transaction and the financial record are created together: transfers, conversions, payouts and incoming stablecoin all post to the ledger as they settle, with the counterparty, the rail and the applied rate attached. Records export to Xero, QuickBooks, NetSuite and CSV. Plaitr is software, not a bookkeeping service, and does not file your returns or prepare your tax positions.
Which stablecoins and networks does Plaitr support?
USDC on Ethereum, Base, Arbitrum and Solana, plus USDT on Tron and Solana. All of them run in both directions, so you can be paid on whichever network a counterparty already uses and pay out on whichever one they ask for. Tron matters specifically because it is the rail suppliers and contributors across Asia, Africa and LATAM quote by default. 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, and is our money insured?
Plaitr is not a bank and does not provide FDIC insurance. Plaitr is a financial technology company: account opening and fiat rails are delivered by licensed partner institutions in each jurisdiction, and on-chain balances sit in your own self-custodial Squads smart account. Plaitr does not hold deposits and does not hold private keys.
What is not live yet?
Corporate cards and employee spend accounts are not live, because there is no issuing partner yet. Treasury products and yield are not live: Plaitr pays no interest on an idle balance today. Credit and working capital are not live. Invoicing, payment links and Stripe sync are shipping soon. Everything else described on this site — accounts, stablecoin in and out, payouts, payroll, approvals and automatic reconciliation — is live today.
Do we need to be incorporated anywhere specific?
No single jurisdiction is required, and no US entity, US address or SSN is needed. Plaitr serves companies and foundations in most markets, and availability depends on a partner institution covering yours. Eligibility is answered at the start of onboarding rather than three weeks in, and Plaitr may decline or pause service where a partner or the law requires it.

Finance for web3 teams.