Endl - A global operating account for fiat, stablecoins, and cards.

@james_carter35 It's a meaningful difference. Traditional international wires typically run $25 to $45 per transfer, plus a 1 to 3% FX spread embedded in the rate that most people don't notice until they do the math. Endl is a flat 0.5% on all transactions, no corridor markups, no hidden conversion fees. For businesses running regular cross-border payments at any real volume, that gap compounds fast.

@thisiskp_ Wise is excellent at what it does, which is moving money for individuals and small teams. Where Endl is different: we're built for businesses that operate across crypto and fiat rails simultaneously, need treasury control, and run contractor or vendor payments at volume. Wise doesn't hold stablecoins, doesn't bridge on-chain and off-chain in a single account, and isn't designed for the ecommerce and cross-border operator use case we're focused on. The pricing is also a flat 0.5% regardless of corridor, versus variable rates that shift depending on where money is going.

@olivia_bennett7 Spend analytics are built in. Transaction-level breakdowns by card, team member, and category are available out of the box. Expense tagging and more granular approval flows are coming in our next feature launch The goal is that your finance team gets full visibility without ever having to export to a spreadsheet to understand where money went.

@croft_benjamin No Endl account needed on the recipient side. They receive payouts directly to their existing bank account or wallet, depending on the rail you select. That was a deliberate call on our part: forcing contractor onboarding creates friction that kills adoption before the first payment even goes out.

@galdayan Hi Gal, The stablecoin transfers cannot be reversed because its onchain, we have multiple check points and reminders to cutsomers to check out when filling in new address, also a capability to have stored addresses reallu helps as you have to be careful once while adding.

On the bank transfer part, we work very closely with Banks and keep a track and are regularly in touch with customers for additional documents if required.

@hazalv5qa We show you the exact rate before you confirm, no hidden spread buried in the conversion. The rate you see is the rate you get, and the 0.5% fee is the only cost on top of mid-market. Traditional banking APIs typically embed a 1 to 3% margin in the rate itself, which means you're paying without a line item to point to. With Endl, every cost is explicit and visible before the transaction goes out.

@burhanrdelqmuj The reconciliation view was built by people who'd actually lived that spreadsheet hell, so that tracks. Glad it's already pulling its weight on your end. As your volume grows, the cross-rail matching only gets more useful. Would love to hear how it holds up for you.

@elifsu756310 That fee visibility piece is one we care about deeply. The nasty surprise moment is exactly what we're trying to eliminate: you should know what a transfer costs before it goes out, not after. Glad the first run caught something real. Would love to hear how it holds up as you scale the volume.

@luki_notlowkey The conversion between fiat and stablecoin on Endl happens within a regulated framework at every step. We don't leave compliance gaps at the rails switch. Each movement is logged, attributable, and covered under the applicable jurisdiction's requirements for your entity type. The short version: the product feels simple on the surface because we've absorbed the regulatory complexity underneath it.

@scott_davidson_jr Hi Scott! Thanks.

We are launching our approval workflows for payments very soon, currently it is live for our corporate card feature