Est. 2026, licensed in the US and EU
Pay anyone in 140 countries in seconds.
Every dollar is backed 1:1 by real dollars.
Registered
US money transmitter, FinCEN
Licensed
E-money licence, EU
Audited
Reserves checked monthly
Certified
SOC 2 Type II security
Pay a bank or wallet in 140 countries. It lands in seconds.
New payout
Step 2 of 2
To
Kumo Labs
BCA ••• 4410
You send
25,000.00
USD
They receive
401,512,500
IDR
Summary
Rate
16,060.50
Fee
$0.40
Arrives
In seconds
Send $25,000.40
Your own US and EU account details.
Account details
USD
EUR
USDC
Account holder
Brightwater & Co.
Bank
Harbor National Bank
Routing number
026 073 150
Account number
8392 0041 77
Type
Checking
Share these with clients. Payments arrive the same day.
Keep dollars and earn 4.1% a year on idle cash.
Balances
Oct 31
Total balance
$1,284,500.00
4.1% a year, $4,388.12 earned in October
US dollars
$842,100.00
USDC
$442,400.00
Euro
€0.00
Cards for your team, with limits you set. Works anywhere Visa does.
Cards
3 active
Card
Spent this month
Marketing ••• 4021
$2,140 of $10,000
Travel ••• 8830
$6,480 of $8,000
Software ••• 1175
$912 of $3,000
Bank wire
Florin
payout.ts
const payout = await florin.payouts.create({
amount: 25_000,
currency: Currency.USDC,
to: recipients.kumoLabs,
})
settled in 2.4s, paid out IDR 401,512,500
