We're building one platform to move money across banks, borders, and blockchains.
Clearfinal is building one platform for globally connected individuals and businesses who move money across borders — hold balances in supported currencies and digital assets, convert between them, and settle across bank and digital rails, with compliance designed into every transaction. The platform is in development, is not available today, and is pending Florida licensure.
One platform, every rail — that's the design.
Bank transfers, stablecoins, and digital assets, designed to be orchestrated as a single network.
Illustrative. Corridors shown are those Clearfinal intends to support following licensure, subject to jurisdiction-by-jurisdiction eligibility review. No live transactions are depicted.
Global payments are stuck.
Cross-border payments still move over slow, fragmented, single-rail infrastructure. Banks and most fintechs handle fiat or crypto — rarely both. Compliance stays manual and inconsistent across jurisdictions. Money is global; the systems that move it are not.
The gap between how money moves and how it should.
Cross-border payments haven't structurally changed in decades. Closing that gap is the whole point of Clearfinal.
Clearfinal is in development and not yet licensed. The Clearfinal column describes what we are building toward. It is not current performance, not a service available today, and not a guarantee of settlement timing.
Traditional cross-border rails
A payment hops through a chain of correspondent banks — each one adding time, cost, and another place for it to get stuck.
Settlement
2–5 days
T+2 at best, business days only
Availability
Banking hours
Weekends and holidays off
Pricing
Opaque
Fees and FX markup at every hop
Compliance
Manual
Re-checked by every intermediary
Clearfinal — what we're building toward
One ledger and smart routing across bank and digital rails, designed so that each payment takes the best route available, with compliance running inside the transaction instead of around it.
Settlement
Faster than correspondent chains
Direct routing across bank and digital rails, without a chain of intermediaries
Availability
Digital rails don't sleep
Settlement on digital rails is not bound to banking hours
Pricing
All-in
One transparent quote, disclosed before execution
Compliance
By design
KYB, KYT, and AML designed into every transaction
What we're building
Accounts & wallets
Designed to let you hold balances in supported currencies and digital assets in one relationship, and to receive and pay out across them — one balance sheet instead of five providers. At launch we expect to support a defined set of fiat currencies and digital asset pairs.
Global payments
Designed to send and settle across borders on the best rail for each payment — bank transfer or digital asset — routed for cost, speed, and resilience, with fallback when a rail fails.
Multi-currency balances
Designed to bring every balance into one ledger: see what you hold, convert between supported pairs, and know exactly where money went, with audit-ready reconciliation designed in.
Compliance by design
Identity verification, business verification, blockchain analytics, sanctions screening, and transaction monitoring are being designed into every transaction rather than bolted on, so compliance and reporting are part of the flow instead of a layer around it.
Built for scale. Designed for what's next.
API-first.
Clearfinal is being built API-first, so that the platform integrates cleanly with banking counterparties, settlement partners, compliance systems, and custody infrastructure, and so that our own products can be built and extended quickly.
Who it's for
Anyone whose money outgrew a single bank, a single currency, or a single rail.
Enterprises & treasury teams
Your working capital shouldn't wait on correspondent banking. Move money across borders and entities in one place — predictable settlement, controls and audit trails your finance team can defend.
Individuals & family offices
Wealth now spans fiat and digital assets, but managing it means juggling banks, brokers, and exchanges. Hold, convert, and settle everything through one compliant relationship.
Crypto-native businesses
You live on-chain, but payroll, vendors, and taxes live on bank rails. Bridge both worlds cleanly and compliantly — without patching together OTC desks and payment processors.
Platforms & marketplaces
Your users expect to get paid inside your product. Embed accounts, FX, and payouts through APIs and make money movement part of what you sell.
Clearfinal is built by a team drawn from international financial institutions, global technology companies, and the compliance functions of cross-border banks. AML and regulatory compliance are embedded in the management team, and that experience is shaping how the platform is being designed — with compliance built into the product rather than around it.
Compliance by design
Embedded in the management team
AML and regulatory compliance built into the platform
One ledger
Customer balances in a single sub-ledger
Designed to reconcile daily to safeguarded balances
US · EU · LATAM
Corridors our team has operated in prior roles
Cross-border payments and settlement
Follow the build.
Leave your email and we'll tell you when we launch. We are not accepting customers or opening accounts.
Wherever your money needs to go.
Tell us how you move money today and where it gets stuck — across borders, currencies, or rails. We'll tell you honestly whether Clearfinal will be a fit, and when it will be available.