Endl
Where businesses pay and get paid globally
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Endl - A global operating account for fiat, stablecoins, and cards.

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Endl is the global operating account for borderless businesses. Collect payments, hold funds in fiat or stablecoins, pay contractors in 160+ countries, and spend with corporate cards. All from one account built for fast, compliant global business operations.

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Hunter
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Excited to hunt Endl today. is a global operating account built for borderless businesses that need to collect, hold, move, and spend money across markets without relying on slow and fragmented banking infrastructure. Instead of managing separate bank accounts, payment providers, stablecoin wallets, contractor payouts, and corporate cards, Endl brings the entire financial workflow into one place. Businesses can receive payments in major currencies, hold funds in fiat or stablecoins, pay contractors and vendors across 160+ countries, and spend directly through corporate cards. What stands out here: -Collect global payments through local account details -Hold and convert funds between fiat currencies and stablecoins -Pay contractors, employees, and vendors across 160+ countries -Issue corporate cards and spend directly from your Endl balance -Manage international business finances from one unified account

   Congrats team! Love the "one account instead of five providers" positioning. Contractor payouts across 160+ countries alone solves a painful problem.

Maker
Thanks Intesar! Yes we want to make sure business at Endl focus on growing business not juggling between 5 platforms for their payment stack! Been there and I know how sad it is. I hope you try our platform and give us feedback

This is a space that still feels much more fragmented than it should be.

As someone building a startup from Europe, I've definitely felt how quickly global finance becomes messy once you have international customers, contractors, different currencies, and eventually stablecoins entering the picture. Having one operating account instead of stitching together five different services is a compelling direction.

The stablecoin support is especially interesting. it feels like we're finally reaching the point where it's becoming practical infrastructure rather than just a crypto feature :)

Curious which type of company has been the biggest early adopter so far. SaaS startups, agencies, marketplaces, or something completely different?

Maker
Exactly this. The moment you have customers in 3 countries and contractors in 2 more, the patchwork falls apart fast. One account that actually works across all of it is what we set out to build. Would love to hear how you’re currently handling it

Been watching this space for a while and the "banking at home" framing nails the actual pain. The five-day wait and hidden FX are exactly what kills margin for anyone selling across borders. Congrats on the launch.

Maker
You nailed it. The five-day wait is painful but the hidden FX is the one that quietly eats margin every single month without anyone flagging it. That’s exactly the problem we’re solving. Appreciate you following along

How are you handling compliance across 160+ countries without making onboarding painful?

Congrats on the launch 🚀

Maker
Great question. We layer risk-based KYB at onboarding so the checks are proportional to the business profile, not a blanket wall. Most customers are up and running in under 24 hours. Happy to walk you through the specifics if you want to go deeper
Maker

Hey Product Hunt 👋

I'm Ashita, co-founder of Endl.

We built Endl because every founder outside the US knows this pain: you earn in dollars, but spending them is somehow still a problem.

You're paying for Claude, Cursor, AWS, Notion, Linear. Your card declines. Or you're converting local currency, paying FX fees, and losing money just to access tools your US counterparts use without thinking about it.

We built the account we wished we had:

  • Receive payments from global platforms in stablecoins

  • Hold your balance in digital dollars, no conversion needed

  • Spend on any SaaS, ads, or tools with a global card

  • Earn yield on idle balances

  • No US company required

Built for founders and businesses operating across Southeast Asia, MENA, and Latin America.

We've processed $100M+ in volume across 500+ businesses.

If you're a founder outside the US who's ever had a payment fail on a tool you needed, I'd love to hear what's breaking for you.

— Ashita

the "no US company required, hold digital dollars" pitch is appealing but it's also the part i'd want to poke at hardest before actually moving real revenue through it. stablecoin regulation is still shifting country by country, and if a jurisdiction you operate in tightens rules on holding or spending stablecoins, what's the fallback for a business that's already routed its whole payment stack through Endl? is there an easy off-ramp back to plain fiat rails, or does that become its own migration project

Maker
great point and this is what we specifically focus on, easy off-ramps and a vertical integration to different fiat rails , its all in one dashboard , we try our best to not let customers struggle with migration

Congrats on the launch

Where is Endl based out of? And is it part of any regulated authority?

Maker
Hi Hans, Endl is headquarted in UAE , however has multiple entities across different jurisdiction where we hold our licenses like Canada, Poland and US. Happy to discuss in the depth where we hold our licenses and where we partner with other licensed partners to increase our coverage

 ok, so regulated by FINTRAC in Canada?

Maker

 Yes Hans

Wow team! It’s super easy to collect payments this way. Also love the name 😅! And wish you all the best here
Maker
Thanks German! Endl is Endless possibilities and End of Line for all your payment needs , thats the goal

Congrats, team! How do you compare with Mercury for non-US founders who need USD banking details but also regularly make international payouts?

Maker
Great question. Mercury is built for US founders banking in the US. Endl is built for founders outside the US who need to collect in USD, hold it, and pay teams or suppliers globally without the friction of constant conversion. You get USD account details, stablecoin-native holding, and payouts to 200+ countries at 0.5% flat. No per-wire fees, no FX markup on every leg.

How quickly would a freelancer normally receive a payment through Endl? Does the speed depend on whether they choose a bank transfer, local currency, or a stablecoin?

Maker
Stablecoin payouts are near-instant, typically minutes. Local currency bank transfers depend on the corridor, but most major markets settle same-day or next-day. The speed advantage with Endl vs traditional wires is significant regardless of method, because we’re not routing through correspondent banks. Freelancers in markets like PH, IN, and MENA see this most clearly.
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