Enterprise banking, payments and treasury on one platform

One platform where most companies run four

A company at scale typically runs a bank for deposits, a processor for card payments, a cross-border provider for paying suppliers abroad and, increasingly, a separate venue for digital assets. Each has its own contract, its own dashboard, its own payout schedule and its own reconciliation file.

Anytime Capital puts them on one balance: card and wallet payments settle into the operating account instantly, suppliers in 71 countries are paid in their own currency from it, employee cards spend from it and the treasury desk settles to it the same day. One ledger, one export, one team to call.

Custom pricing and a dedicated team from $1M+ a year

Businesses processing $1M+ a year get custom card pricing in place of the standard 2.75% + 30¢, set for their volume and card mix, together with a dedicated payments team: shared Slack channel with our payments and risk team; named account manager and quarterly pricing review; custom pricing, payout schedules and reserve terms.

Every fee is its own line in the reports, so finance can check the effective rate against the contract every month rather than once a year.

Entities, owners and onboarding

Each entity is onboarded and titled in its own name, with its own account, cards and reports. Straightforward entities are usually approved the same day; holding companies, multiple subsidiaries and layered ownership take a few days, because the business verification is genuinely more work. The team tells you what each entity needs before you start.

Treasury: stablecoins and digital assets

Receive and pay in USDC and USDT on Ethereum, Solana or Tron, and trade 38+ digital assets with desk-quoted execution for size and sell support on 20+, so a large order is a firm quote rather than a market order through a thin book. A non-custodial wallet lets the entity hold its own keys, and settlement back to dollars runs the same day by ACH, Fedwire or RTP. Records carry dollar values, so the close does not depend on block explorers. Digital assets are not FDIC insured.

What your security and engineering reviews will find

Card numbers never touch your servers: customers enter them on Anytime Capital's checkout, loaded inside your page by the Pay button and inline checkout, or on a hosted page on your own domain. Your systems see only the brand and last four digits.

Webhooks are signed with an HMAC-SHA256 of the timestamp and raw body; every write accepts an idempotency key, honoured for 24 hours, so retries never double-charge; each business holds up to 10 revocable API keys, created only by owners and admins; and risk rules require 3D Secure above an amount you set, block card countries and cap single payments.

Built for AI from the start

The docs are written to be pasted: every page is also Markdown, the whole set is one file at /docs/llms-full.txt, and each page carries a prompt for an AI assistant. The Anytime Capital MCP server connects Claude, Cursor, GitHub Copilot, Gemini and OpenAI agents to payments, payment links, invoices and customers with a key you can revoke, so an internal agent can reconcile, invoice and answer finance questions without a custom integration.

Running beside your existing stack

Most enterprises do not switch everything on day one. Keep your current bank and spend platform, route one line of business's payments or one region's supplier payouts through Anytime Capital, and compare the effective rate and the days of float recovered. Money moves between accounts by ACH, wire, RTP or FedNow, and reports export to QuickBooks Online and Xero, or as files your ERP imports.