US Simple provides a single‑verification platform that lets banks and fintechs instantly offer global banking, payment, and fund‑control services. Through a fully featured VISA debit card infrastructure, users can access instant domestic and international transfers, low‑cost FX, and 24/7 multi‑tier authorizations, all while funds remain FDIC‑insured and compliance‑free for white‑label solutions. The service supports onboarding from 150 countries without requiring a US address, phone number, or capital reserves.
Funding
Funding not disclosed
Founders
Product
Problem
Fintechs and banks often face high capital requirements, complex compliance, and the need for multiple integrations to provide instant domestic and cross‑border payments, FX, and debit‑card services, especially for users without a U.S. address or bank account.
Solution
US Simple offers a single‑verification, white‑label platform that gives banks and fintechs instant access to U.S. domestic transfers, global payouts, low‑cost foreign‑exchange, and FDIC‑insured VISA debit cards collateralized in dollars. The service consolidates payment processing, fund controls, and card issuance into one API, eliminating the need for separate banking relationships, capital reserves, and extensive compliance infrastructure. Users in over 150 countries can receive and spend USD instantly, while providers retain full control over multi‑tier authorizations and 24/7 fund management. By handling regulatory and liquidity constraints on behalf of its partners, US Simple enables rapid rollout of commercial‑grade banking features without building a bank from scratch.
Target Audience
Primary customers are banks, neobanks, and fintech platforms that need to offer instant payments, FX, and debit‑card capabilities to global end‑users without building their own banking infrastructure.
Features
- Global USD‑backed VISA debit card issuance with FDIC insurance
- Instant domestic U.S. transfers and cross‑border payouts without requiring a U.S. address or bank account
- Low‑cost, real‑time FX engine with batch processing and multi‑tier authorization
- 24/7 fund controls and payment routing, including regulated payments outside the U.S.
- Single‑step KYC verification that unlocks the full suite of banking, payment, and card services
- API‑first architecture for seamless integration into existing fintech or banking platforms