Payroll and rent can't wait. The rest doesn't have to sit still. diBoaS gives your business the opportunity to put idle cash to work, earning every day, on your terms, under your control.
FOR FUNDED STARTUPS
Most of your round is runway you won't touch for months. It can wait somewhere that pays you without ever leaving your control.
Most of your round is runway you won't touch for months. It can wait somewhere that pays you without ever leaving your control.
A round lands. Payroll takes a slice every month. The rest — most of it — waits.
It waits in one account, at one bank, earning close to nothing. You already know what that sentence can cost.
diBoaS doesn't ask you to gamble your runway. Set the floor for what you need. What sits above it goes to work and stays yours, earning every day, ready to pull back the moment you need it.
Don't take the example's word for it. Run it on your own runway.
Every swipe, tap, and online checkout has a cost. For many small businesses, card processing fees can take 1.5% to 3.5% of a transaction before the money reaches the account. diBoaS is designed to help businesses review digital-dollar payment paths where available, with costs shown before funds move. Not every rail disappears. Not every cost goes away. The point is clarity before approval.
Estimate payment costs
Every business needs cash ready. But not every dollar needs to sit in the same account doing the same job. Set an operating floor. Keep what you need available. Review selected digital-dollar strategies for excess cash only when the risk fits your policy. Idle cash should not move because a landing page got excited. It should move because the rule is clear.
Review idle cashA customer pays today. The money lands later.
A card fee takes its cut.
Payroll is due Friday. Rent does not wait. Taxes do not care about your cash flow.
And the money you keep aside? It often sits in one account, with very little explanation of what else may be possible.
diBoaS exists to make business cash easier to separate, move, and understand. Not with promises. With rules, visible costs, visible risk, and wallet control.
Review digital-dollar payment options where available, with expected costs shown before funds move.
Send payments through supported rails where available. Network, provider, ramp, settlement, and compliance conditions may apply.
Set an operating floor, separate excess cash, and review selected strategies only when they fit your business risk policy.
Transaction history, statements, and exportable records designed to support accounting, tax, audit, and internal review.
Link supported business accounts, wallets, or payment paths where available.
Decide what must stay ready for payroll, rent, taxes, suppliers, and emergencies.
See strategy, cost, liquidity, and risk before funds move.
Your business approves movement from its wallet. Availability may depend on partners, networks, ramps, liquidity, and compliance review.
WHAT IT COSTS
Costs first. Then let's see if this is a fit.
Clear costs before business funds move.
| Action | diBoaS | Typical Providers | Difference | Example |
|---|---|---|---|---|
| Business Account | $0 monthly account fee | Many apps charge monthly fees | No monthly diBoaS account fee | Your account: $0. |
| Receive Payments | $0 only when another diBoaS user pays you in digital dollars; a card-funded payment is an on-ramp (0.48% plus the card processor's cost) | Card processors may charge 1.5% to 3.5% | Card and ramp costs apply when a customer pays by card; only digital-dollar transfers between diBoaS users are free | A diBoaS user pays you $1,000 in digital dollars: diBoaS fee is $0. A card-funded $1,000 payment runs as an on-ramp: 0.48% ($4.80) plus the card processor's cost. |
| Send / Pay | $0 only between diBoaS users in digital dollars; paying an external account is an off-ramp (0.48%) | Wires and transfers may charge fixed fees | Only digital-dollar transfers between diBoaS users are free; paying a non-diBoaS contractor runs as an off-ramp | Pay a contractor who uses diBoaS $500 in digital dollars: diBoaS fee is $0. Pay an external contractor $500: off-ramp 0.48% ($2.40) applies. |
*diBoaS fees shown. Third-party provider, ramp, network, banking, settlement, compliance, or exchange fees may apply and are shown before confirmation where available.
Your business wants clearer payment paths, better visibility over idle cash, and rules for what can move, what must stay ready, and what risk is acceptable.
You need government deposit insurance above everything else. You have zero tolerance for digital-asset, protocol, liquidity, ramp, network, or provider risk. You need a traditional bank account, not a non-custodial cash layer.
Payment costs. Idle balances. Operating floors. Strategy risk. Join the business waitlist and be among the first to test diBoaS for Business when it opens.
No spam. Just product updates, early access, and what changes before launch.
WHO BUILT THIS
diBoaS started with my grandmother, Adelaide. She saved with discipline. The system gave her low returns, little explanation, and almost no access to better options.
The same pattern shows up in business. Owners lose money to payment fees. Startups hold runway in accounts that explain very little. After 20 years building products across Brazil, the US, Japan, and Germany, I wanted to build a clearer cash layer: one where money has rules, risk has a name, and control stays with the people responsible for the business.
Let's connect.
We charge fees when money moves, shown before you confirm. Receiving digital dollars from another diBoaS user is $0; a card-funded payment runs as an on-ramp. Starting a strategy is free to start. 0.39% when you sell or close a position. 0.48% when you cash out.
If another diBoaS user pays you $10,000 in digital dollars, we keep $0. If you start a strategy with $10,000, we keep $0 to start. If you sell $10,000, we keep $39. If you earn nothing and move nothing, we earn nothing.
Third-party provider, ramp, network, banking, or exchange fees may also apply.
Your business holds its own funds. Your wallet, your keys. No one at diBoaS can move your funds without your authorization.
That said, this is not a bank account and not a deposit product. Funds work through digital-dollar wallets, networks, ramps, and third-party providers, which can fail, lose value, or become unavailable. The value can fluctuate, and your business could lose some or all of its money. There is no deposit insurance.
diBoaS shows the path, cost, liquidity, and risk before your business decides.
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, digital-dollar payments go more directly, from your wallet to theirs, where supported.
Availability may depend on wallet setup, supported networks, ramps, counterparties, local regulation, provider support, and compliance checks. Before funds move, diBoaS shows the available path and expected costs where available.
diBoaS is being built for real business operations.
That means transaction history, statements, exportable records, and reporting designed to support accounting, tax, audit, and internal review.
Your business remains responsible for its own accounting, tax, legal, and regulatory obligations.
The risk is real.
Business funds may move through digital-dollar wallets, DeFi protocols, smart contracts, networks, ramps, and third-party providers. These can fail, lose value, become unavailable, or create liquidity constraints.
Your business can lose money.
diBoaS shows the path, cost, liquidity, and risk before your business decides.
