Agent-native BaaS

Launch your fintech in days,
not months.

Full financial stack via API — wallets, payments, FX, stablecoin rails, compliance guardrails. Ship your neobank, AI agent, or cross-border product without rebuilding financial infrastructure from scratch.

Read the docs

< 2 min

to first wallet

150+

corridors supported

99.9%

uptime SLA

quickstart.ts

// Create a wallet and send a payment in two calls
const wallet = await bi.wallets.create({
  userId: "usr_4f2a",
  currency: "USDC",
});

await bi.payments.send({
  from: wallet.id,
  to: "addr_dest",
  amount: 500,
  rail: "stablecoin",
});
// ✓ Payment settled in 2s — zero FX friction

01 — How it works

Three steps.
Then you're live.

Connect via API or CLI

Grab your API key, install the SDK or CLI, and hit the sandbox in under two minutes. Full OpenAPI spec, typed clients for TypeScript and Python, MCP tooling included.

$ bi init --env sandbox
✓ Connected to Billion Impact sandbox

Configure your rails

Choose the primitives you need — wallets, FX routes, compliance guardrails, stablecoin conversion. Set spend limits, approval flows, and corridor rules from a single config.

# rails.yaml
wallet:
  currencies: [USD, USDC, NGN]
compliance:
  spend_limit_daily: 10000

Go live with your fintech or agent

Point your app or AI agent at the production endpoint. Monitor transactions, alerts, and compliance events in real time. Scale from prototype to production without changing an API call.

✓ Production keys issued
✓ Compliance rules active
✓ First transaction: $1,240 USDC

02 — Use cases

One platform.
Any fintech shape.

Neobank / Fintech

Launch a neobank or fintech app

Everything you need to go from idea to live product — wallets, multi-currency accounts, card issuance, compliance. Perfolio is the reference build.

Multi-currency wallets
Card issuance
KYC/AML guardrails
White-label UI kit

AI Agents

Give your AI agent a payment layer

MCP and CLI tooling lets any AI agent — AutoGPT, CrewAI, LangChain, custom — collect, convert, and disburse funds without writing payment logic.

MCP / CLI integration
Programmatic guardrails
Spend cap enforcement
Webhook events

Cross-border

Cross-border collections + payout

Collect in local currency (NGN, KES, GHS, BRL…), auto-convert to stablecoin, pay out in USD or USDC. Full corridor coverage from day one.

Local currency collection
Stablecoin conversion
USD/USDC payout
150+ corridors

03 — Pricing

Flat platform fee.
Add what you need.

Start on a tier, bolt on add-ons as you scale. No usage surprises.

Starter

$299/mo

Indie devs and early-stage fintech testing the rails.

Multi-asset wallets API
Stablecoin support
Basic FX conversion
MCP / CLI integration
Sandbox environment
Developer docs

Get started

Feature add-ons — à la carte

Available on any tier. Add as your product grows.

Cross-border Collections

Collect in local currencies across corridors (Africa, LatAm, etc.)

+$199/mo

FX & Stablecoin Conversion

Advanced FX routing and stablecoin sandwich flows

+$149/mo

Card Issuance

Virtual/physical card issuing for your users

+$249/mo

Lending & Credit Rails

Lend/borrow primitives for your app

+$299/mo

Trading & Portfolio Agent

Trade/invest endpoints + leverage guardrails

+$199/mo

Compliance & Guardrails Suite

Anomaly detection, spend limits, approval flows

+$149/mo

White-label UI Kit

Pre-built components to ship your app UI faster

+$99/mo

Chat / Assistant Connectors

Telegram, WhatsApp, ChatGPT plugin connectors

+$99/mo

Backed by builders

PerfolioGridXNestPayKoridorLuma FinanceAgentBank

“We went from idea to live users in three weeks. The compliance guardrails alone saved us two months of legal back-and-forth.”

Founder, Perfolio

Neobank — Africa

Your fintech.
Live in days.

Join the early access list. Be first to build on Billion Impact.

Launch your fintech in days,not months.

Three steps.Then you're live.