You're losing 2 to 3% on every card payment. And the cash in your bank? It's earning returns for everyone except you. That changes now.
| Bank | Neobanks | Treasuries | diBoaS | |
|---|---|---|---|---|
| APY | 0.32% | 3.35% | 3.32% | ~7% |
| 1-Year Return | +$3 | +$34 | +$33 | +$70 |
Comparison rates based on publicly available US data as a last 5 years average. Yield rates are subject to change and may vary across products. Digital dollar yields involve risk, including potential loss of principal.
Every time a customer pays with a card, you lose 2 to 3%. On $1,000 a day in sales, that's $600 to $900 a month. Gone. Then the money takes 3 to 5 business days to reach your account. Your money, sitting in someone else's pocket, earning them interest. What if you kept all of it?
You raised money. You're spending it carefully. But the cash you're not using right now? Your bank puts it to work, earns returns, and pays you almost nothing. On $500,000 idle, the gap between what your bank pays and what's possible could be tens of thousands a year. What if that money worked for you instead?
Our founder's grandmother saved half of everything she earned her entire life. Her bank paid her almost nothing.
She didn't know there were better options. Nobody told her. The language was too complicated. The minimums were too high. The institutions didn't care about people with small savings.
We've seen the same thing happen with businesses. Coffee shops losing $10,000 a year to card fees. Startups with half a million in the bank earning less than $200 a month in interest.
You just saw it.
New technology made it possible to go around the gatekeepers. We just had to build the door.
Your customers pay. You keep 100%. Instantly.
Contractors, suppliers, freelancers. Worldwide. No fees. Real-time
Market intelligence for business owners. No $500-an-hour advisor needed.
Link your business account. Two-minute setup. No technical integration needed. No developer. No downtime. You do it during your morning coffee.
Still reading? Good. Let's make sure this actually fits.
No hidden fees. No minimum balances. No monthly charges. Here's every fee, on the table.
| Action | diBoaS | Typical Providers | Difference | Example |
|---|---|---|---|---|
| Business Account | Free forever | $10 to $50/month | Save $120 to $600/year | Your account: $0. Always. |
| Receive Payments | FREE | 2 to 3% (card processors) | Save $20 to $30 per $1,000 | Receive $1,000: costs $0. Competitors charge $20 to $30. |
| Send / Pay | FREE | $1.50 to $50 (wires) | Save $1.50 to $50 per transfer | Pay a contractor $500: $0 |
| Add Money | 0.48% (min $0.25, max $25) | 0 to 1.5% | Comparable to most providers | Add $10,000: costs $48 |
| Invest / Grow | FREE | 0.5 to 2% (advisors, platforms) | Save $50 to $200 per $10,000 | Invest $10,000: $0. Free to start. |
| Sell / Close | 0.39% (min $0.25, max $25) | 0.5 to 2% | Save $11 to $161 per $10,000 | Sell $10,000: costs $39 |
| Swap | FREE | 0.5 to 2% spread | Save $50 to $200 per $10,000 | Swap $10,000: $0 |
| Cash Out | 0.48% (min $0.25, max $25) | 1 to 3% plus delays | Save $52 to $252 per $10,000 | Cash out $10,000: costs $48 |
*diBoaS fee shown. Third-party network fees may apply (typically less than $0.01).
Receive $1,000 in payments: you keep $1,000 in your diBoaS account. Cash out to your bank: $995.20 (after 0.48% cash-out fee). Still cheaper than the $970 to $980 a card processor leaves you.
Your business accepts card payments and you're tired of the 2 to 3% cut. Your company has cash sitting idle earning almost nothing.
You need government deposit insurance above everything else. You have zero tolerance for any risk.
Open access and fair opportunities. Let's talk.
I grew up watching my grandmother Adelaide navigate a financial system that wasn't designed for her. She deserved better tools. So does every business owner like you.
diBoaS is being established in Berlin, Germany, building for businesses in the US, EU, Brazil, with plans to expand to additional markets. I've spent 20+ years working in Products and IT across Brazil, the US, Japan, and Germany. Now I'm building the financial tool I wish every small business and startup had.
Let's connect.
We charge small fees when money moves. Free when you receive payments. Free when you invest. 0.39% when you sell or close a position. 0.48% when you cash out.
If you receive $10,000 in payments, we keep $0. If you invest $10,000, we keep $0. If you sell $10,000, we keep $39. If you earn nothing and send nothing, we earn nothing.
No hidden fees. No minimum balances. No monthly charges. No catch.
Your money is secured by you. Your wallet, your keys. No one at diBoaS can access your funds without your authorization.
That said, this isn't a bank account. Your funds work through new technology. The value can fluctuate, and you could lose some or all of your investment. There is no deposit insurance.
We show you both sides, the opportunities and the risks, always.
Traditional wire transfers go through correspondent banks. Your bank, their bank, maybe another bank, then the recipient's bank. Each step takes time and charges fees.
With diBoaS, payments go direct. Your wallet to their wallet. Done.
Your freelancer in Buenos Aires gets paid in seconds, at the real exchange rate, for free. Not $25 to $50 and 3 business days.
We built diBoaS for real businesses with real compliance needs.
Monthly statements formatted for your accounting software. Transaction history with full audit trail. Tax documentation at year end. Board-ready reports your CFO will actually understand.
We know you're going to get audited eventually. We make sure you're ready.
Let's be honest.
The systems your money goes into are built on code. Code can have vulnerabilities. We reduce this by only using systems with significant total value secured, multiple independent security audits, years of track record through market events, and by spreading your money across multiple independent systems.
Zero risk? No. Nothing is, including your bank.
The real question: are better returns worth a different risk profile? For some businesses, yes. For others, no. Both are valid.
Join the Movement!
Businesses are already joining the opportunity to cut costs and grow their idle cash. Subscribe to our waitlist.
Be among the first.