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Empower ambitions with services built for you.

Our service provides businesses with a seamless cross-border transaction experience. We focus on optimizing for speed, convenience, and cost, offering both local payment acceptance and global payments

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Open a SMART account digitally, in minutes.

Simply sign up or download our app and you can open a SMART account from your phone – anytime, anywhere. No queues, no branches, no paperwork.

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Collect money instantly from your customers in their preferred currency via real-time payments, from digital and bank accounts.

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Pay your sellers, employees, and suppliers in their chosen currencies to 180+ countries worldwide. 

Business
Opportunities

Digital transformation

  • Automate collections workflows, including automated email reminders to customers to reduce past-due payments.

  • Plan and prioritize collections 

  • Generate invoices with embedded payment links and early payment discount option

  • Integrate with accounting software to seamlessly apply received cash against open receivables. 

Accounts Receivable (AR) Automation

  • Integrate with accounting software or AP module to capture invoices

  • Customize user role, maker vs. checker, and automate approval process

  • Schedule payment plans including auto-pay functionality to minimize cash burn rate and optimize working capital

  • Provide payment status and tracking information

  • Post approved and paid invoices to the general ledger

Accounts Payable (AP) Automation

One SMART Account, global growth, limitless possibilities.  
Modernize your money movement with a Global Currency Account.

  • Receive payments in your customers' preferred currency in 30+ currencies

  • Provide five named accounts with local bank account details in USD, GBP, EUR, AUD, and SGD

  • Hold up to 38 currency balances

  • Execute in-account FX conversion at transparent and highly competitive rates

Global Currency Account

Technology builds upon the concept and capabilities of both programmable payment and programmable money. Digital payments refer to a protocol that specifies the conditions when an underlying digital money can be used. Digital money (Purpose Bound Money) are bearer instrument, that is transferrable on a peer-to-peer basis without intermediaries. Digital money is a store of value, and programming logic implies its use based on programmed conditions. Once the conditions are met, digital money is released.

Digital payments

Deploy excess liquidity to maximize yield.  Ability to transfer excess cash from one account to another. Monitor cash KPIs such as cash burn rate and cash runway. Ability to compare actual vs. forecast by period.

Liquidity Management

Monitor, manage, and mitigate FX risk with a hedging strategy that aligns with your business needs. Custom tailor your hedging strategies to your specific needs and requirements - balance sheet hedging, cash flow hedging, layered hedging, partial hedging, short-term hedging, long-term hedging, etc

Automated FX hedging 

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