Local-first payment infrastructure for global digital businesses
Stage
Not given
Startup
Founded
Not given
2025
Based in
VN
HK
Pricing model
Free
Paid
Pricing
Not given
US-issued cards from 2.5% + US$0.30 per transaction; cards issued outside the US from 4.0% + US$0.30 per transaction; local payment methods from 1.2%; US$0 setup fee, US$0 annual fee, no minimum monthly billing.
Key features
AI-powered bill calculation in 30 seconds
Receipt scanning
Trip tracking
Loyalty points system (YO Points)
Advanced splitting with extra fees
Pinpoint accuracy for fair sharing
Easy-to-use interface
Chat-based interaction with AI
Global card acquiring with direct connection to major card networks
Support for 150+ local payment methods including UPI, Pix, MoMo, Alipay and WeChat
Subscription and recurring billing management
Mass payouts to 50+ markets with minimum fee of 0.1 USD
Multi-currency wallet and settlement
USD virtual card issuing for advertising and AI subscriptions
24/7 multilingual customer support
Local payment settlement as fast as T+1 in selected markets
What makes it different
AI handles all grouping and calculation automatically
Completes bill splitting in 30 seconds
So simple anyone can use it
Prevents awkwardness with friends over money
Local payment methods reach 90% coverage in target markets with localized interfaces
Dispute resolution 50% faster than traditional providers
Fee reduction of 30-50% through transparent pricing and volume-based rates
Capital efficiency improvement of 3-5x with fast local settlement
98% payout success rate with direct connection to local clearing systems
Monyo
HaiPay