Cross-border payment tools for Latin American SMBs are usually either consumer wallets with business features bolted on, or treasury software priced for corporates. Soulbit is built for the middle: multi-currency treasury, cross-border payroll for employees and contractors, and payment links for collections — three pillars of equal weight, not one feature with extras. Money moves over stablecoins like USDC instead of correspondent banking, with institutional custody and KYB onboarding.