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.
Replies
Curious how reconciliation actually handles mismatches when crypto and fiat settlements hit at different times across chains and bank rails. Is it fully automated or do teams still need to babysit edge cases?
Endl
@sevcanzrez Great question and an honest one. The core reconciliation is automated: transactions across both rails are matched, timestamped, and surfaced in a single ledger view as they settle. Where edge cases come up, typically a delayed bank settlement or an on-chain confirmation that takes longer than expected, the system flags it rather than silently dropping it. Your team gets a clear exception queue instead of discovering a mismatch three days later in a spreadsheet. For most standard flows it runs without intervention. The genuinely complex edge cases still benefit from a human eye, but the goal is that you're reviewing exceptions, not rebuilding the ledger from scratch every month.
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Could Endl also work as a treasury tool for startups that raise or earn revenue in stablecoins but still need to pay most of their expenses through traditional banking rails?
Endl
@shengkun_ye his is exactly the use case we're built for. You hold in USDC, pay vendors or contractors via SWIFT or local bank transfer directly from the same account, and never have to fully off-ramp just to cover traditional expenses. Several of our current customers are structured this way: stablecoin-native on the inflow side, traditional rails on the outflow side, with Endl sitting in the middle handling the routing. No separate treasury tool needed.
How does pricing actually work when you combine fiat accounts with crypto payouts in the same flow, is it per-transaction across both rails or broken out separately?
Endl
@ykdtmab Flat 0.5% on fiat-related transactions. Stablecoin to stablecoin transfers are free. No separate fee structure per rail, no corridor markups. The cost structure is transparent by design: you always know what you're paying before a transaction goes out.
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What happens if the value of the stablecoin used for the balance temporarily moves away from $1? Does Endl provide any protection or automatic conversion options?
Endl
@romain_blumberger We work exclusively with major regulated stablecoins, USDC and USDT, where depeg risk is minimal and historically short-lived. That said, we don't leave you exposed without visibility. You can see your balance in real time and move to fiat on your terms if you want to. Automated conversion triggers are on the roadmap for users who want a rules-based guard rail. Worth noting: the structural risk here is meaningfully lower than people assume when you're on regulated, fully-reserved stablecoins rather than algorithmic ones.
This definitely solves the global team issue most modern startups struggle with - I used to have to send crypto manually and deal with conversions and taxes and regulations etc back when I ran a crypto startup. Curious, what chain(s) do you use for the settlement / stablecoin layer?
Endl
@matthew_pfeifer Hi Matt, we support almost all the major chain , base, Ethereum, Polygon, Arbitrum and Solana to name a few
Microlaunch
Dope platform, love the positioning on borderless payments. Great application of stablecoins, let's goo!
Macaly
fiat + stablecoins + cards in one account is the dream 🙌 congrats on #3
Endl
@petrkovacik Thanks Petr! Let us know if you would like to onbaord and test the platform! We have some exciting features coming up