Keep Brex. Fix the part that shows up in the data room.
Nothing about this argues for ripping out a card stack that works. The problem is narrower and sharper: Brex holds dollars, and the company's digital assets are sitting in an individual's name. That is the thread diligence pulls, and it is much cheaper to close before a raise than during one.
An Anytime Capital business account is titled to the entity, with statements and settlement to match. Assets move out of the founder's personal account and into the company's. From there the desk quotes conversions across 38+ assets when payroll needs dollars, settling same-day by ACH, Fedwire or RTP, and stablecoin payouts cover the distributed team in minutes rather than wire days.
The founder's personal exchange account is a diligence problem
It happens the same way every time. A customer pays in USDC, or an investor sends part of a SAFE on-chain, or the team decides to hold a treasury position — and there is no company account for it, so it lands in a founder's personal exchange login. It works fine until the next round, when a data room asks who owns the company's digital assets and the honest answer is a person, not the company.
Fixing it later is worse than setting it up right. Commingled assets create tax questions, cap-table questions, and a diligence thread nobody wants open during a raise. An account titled to the entity, with statements and settlement in the entity's name, closes that thread before it opens.
Runway, payouts, and the off-ramp that has to work on demand
A startup's crypto position is not a trade, it is runway. When payroll needs dollars, converting has to be quick and predictable: desk-quoted rates across 38+ assets, settled same-day to the operating bank by ACH, Fedwire or RTP, without a market order sliding through a thin book and taking a slice of the runway with it.
Going the other direction, distributed teams get paid in minutes rather than days. Stablecoin payouts cover every corridor an international wire struggles with, and recurring contractors are saved as named people with photos and whitelisted wallets, so paying the same eight people every month never means re-pasting an address.
Brex runs your dollars. It does not run your digital assets.
Brex is a spend-management platform: corporate cards, expense policy enforcement, reimbursements, travel, and business accounts, wrapped in the approvals and accounting integrations a finance team needs. For controlling what a company spends in US dollars, it is a mature and capable product, and nothing on this page argues otherwise.
What it does not do is cryptocurrency. Publicly, Brex offers no digital-asset trading desk, no custody or self-custody wallet, no on-chain payouts, and no route to convert crypto into dollars in your operating account. A company that holds, accepts, or pays in digital assets has to solve that somewhere else — usually on a personal exchange login belonging to a founder, which is precisely the arrangement that turns into a diligence problem later.
The practical answer is not to replace Brex. It is to run Anytime Capital beside it: cards and expense policy stay where they work, and the digital-asset side gets an account titled to the entity, with statements and settlement to match.
What a crypto-native company needs that a card platform cannot issue
Paying a contractor in Lagos or a research partner in Warsaw through international wires means days of latency and fees on both ends. Stablecoin payouts settle the same run in minutes, any day of the week — but only if you have somewhere compliant to hold and convert them. That is the gap between a spend-management platform and a crypto platform, and it is not a gap a card program closes.
Anytime Capital covers the whole loop: fund by business wire, business debit or business credit card, convert at desk-quoted rates across 38+ assets, pay out on-chain, and settle back to your business bank account the same day by ACH, Fedwire, or RTP. Vendors you pay repeatedly are saved as people — a name and a photo, with whitelisted addresses behind them — so nobody is pasting a 42-character string into a payment field at 6pm on a Friday.
Every business account also includes a free non-custodial wallet. Your company holds its own keys; the platform provides execution, liquidity, and settlement. No spend-management platform offers that, because it is not what they are built to be.
Running Anytime Capital alongside Brex
The common setup among companies that use both: Brex issues the cards and enforces the expense policy, and Anytime Capital handles digital-asset treasury, on-chain vendor payments, and the off-ramp to USD. Two systems, two clear jobs, one clean set of records for the accountant.
Onboarding is not the bottleneck people expect. Most business accounts are approved the same day the application and KYB documents are complete — there is no waitlist — and complex entity structures take a few days rather than a few weeks.
