Notes on global finance.
Writing from the Plaitr team on business banking, accounting, cross-border payments, and the operating stack behind a modern finance function.
Recent
- Accounting
Where do stablecoins go on the balance sheet?
Cash equivalent, financial asset or intangible: the three places USDC lands under US GAAP, the test that decides each, and what the classification does to your cash position.
8 min read - Accounting
Do you revalue stablecoin balances at month end?
Whether USDC needs remeasurement at close depends entirely on how you classified it. Here is what each classification requires, and the depeg trap that catches intangible treatment.
7 min read - Accounting
What exchange rate do you record a USDC transaction at?
Whether a stablecoin payment creates foreign exchange depends on your functional currency, not on the token. The rule for USD entities, the rule for everyone else, and which price source to use.
7 min read - Accounting
Three-way match when the payment settles on-chain
Purchase order, goods receipt and invoice still match the same way. What changes is the fourth document nobody planned for: the transaction hash, and what it does and does not prove.
7 min read - Payments
Vendor onboarding: how to verify a wallet address before you pay it
An on-chain payment to the wrong address is gone. Address poisoning, invoice fraud and the verification steps that belong in vendor onboarding rather than in the payment run.
8 min read - Accounting
What auditors ask for on stablecoin balances
Existence is the easy part, because the chain is public. The questions that take time are ownership, completeness, classification and controls. What to prepare before fieldwork.
7 min read
Banking
View all →- Banking
Mercury alternatives for non-resident exporters
Compare Mercury alternatives for non-resident exporters, from Relay and Wise to Plaitr, with notes on eligibility, stablecoin rails, and logistics.
7 min read - Banking
Non-custodial vs custodial fintech, and why it matters
Non-custodial fintech routes funds directly through licensed partner banks. Custodial fintech pools them in an FBO account. Here is why that gap matters.
5 min read - Banking
How to open a US business account without an SSN
The US business account without SSN path exists for non-resident founders. Here is the EIN-only route, the documents partner banks accept, and the rejections to sidestep.
6 min read - Banking
Open a US business bank account as a non-resident exporter
A US business bank account non resident exporter path that clears: the four real options, the docs each demands, the countries each rejects, the timelines.
6 min read - Product
Business banking that comes with accounting
Most business banks stop at the balance. Plaitr posts every transaction to your books the moment it lands, so reconciliation stops being a monthly project.
4 min read
Exporters
View all →- Payments
Shopify Payouts for international sellers: 2026 fee guide
How Shopify payouts reach an international seller in 2026, where the 3-5% fee stack lives, and how a US business account cuts total cost.
11 min read - Banking
Amazon FBA seller US bank account: the 2026 guide
How Amazon FBA sellers open a US bank account in 2026 to receive USD payouts in full and skip the 1.5% currency converter fee stack.
8 min read - Banking
US bank account for freelancer international clients (2026)
How a US bank account for freelancer international work stops the 3-6% bleed on Stripe, PayPal, and wire USD payouts. Mercury vs Wise vs Payoneer vs Plaitr.
10 min read - Stablecoins
USDC to INR business off-ramp: what actually works
USDC to INR business off-ramp guide for Indian exporters: RBI stance in 2026, VDA tax, partner comparison, and how Plaitr routes the flow end to end.
10 min read - Compliance
W-8BEN vs W-8BEN-E: which one an exporter files in 2026
W-8BEN vs W-8BEN-E for exporters in 2026: individual or entity, the 30% default withholding rule, treaty benefits, and what US clients need on file.
10 min read - Compliance
How to get an EIN as a non-resident founder
The EIN non resident path skips the online IRS tool. Here is the SS-4 fax route, the CPA route, and real timelines for opening a US account.
5 min read
Stablecoins
View all →- Accounting
Do you revalue stablecoin balances at month end?
Whether USDC needs remeasurement at close depends entirely on how you classified it. Here is what each classification requires, and the depeg trap that catches intangible treatment.
7 min read - Accounting
What exchange rate do you record a USDC transaction at?
Whether a stablecoin payment creates foreign exchange depends on your functional currency, not on the token. The rule for USD entities, the rule for everyone else, and which price source to use.
7 min read - Payments
Vendor onboarding: how to verify a wallet address before you pay it
An on-chain payment to the wrong address is gone. Address poisoning, invoice fraud and the verification steps that belong in vendor onboarding rather than in the payment run.
8 min read - Accounting
What auditors ask for on stablecoin balances
Existence is the easy part, because the chain is public. The questions that take time are ownership, completeness, classification and controls. What to prepare before fieldwork.
7 min read - Stablecoins
Circle Mint vs Bridge vs BVNK: business off-ramp 2026
Circle Mint vs Bridge vs BVNK compared feature-by-feature for 2026: fees, chain support, KYB depth, country coverage, and which ramp fits which business.
8 min read - Stablecoins
Off ramp USDC to USD for a US business: 2026 guide
Off ramp USDC to USD for a US business in 2026. Compare Circle Mint, Coinbase Prime, Bridge, and Plaitr on fees, KYB, and settlement timing.
9 min read
Logistics
View all →Archive
Read it here, run it on Plaitr.
A US business account for founders outside the US: multi-currency balances, stablecoin settlement, and compliance built into the account rather than bolted on at month end.