account-to-account
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Boku makes the world pay local.
A Vietnamese wallet. A Brazilian bank transfer. A phone bill in Japan. Boku connects the payment habits people already have to the global services they want.
Form3's answer to a cloud outage: two more clouds
Banks want instant payments. Form3 wants them to keep moving when a cloud provider goes dark. Inside the engineering, customer deals and expensive choices behind its three-cloud platform.
Milio
Milio (YC W23) is a Colombian fintech building real-time, account-to-account payment infrastructure for Latin America. Through a single API, banks, fintechs, and enterprises can move money between accounts in seconds - handling collections, disbursements, cross-border transfers, and treasury automation while cutting transaction costs by up to 80%.
Clerq
Clerq is a New York-based fintech building an account-to-account (A2A) bank payments platform for high-ticket transactions. It lets merchants - starting with automotive and powersports dealerships - accept low-cost, guaranteed payments pulled directly from a customer's bank account, with card-like ease and no chargeback, fraud, or funding risk. Founded in 2022 by former Citadel and JP Morgan investors Truett Dwyer and Ben Markowitz, Clerq raised a $12M Series A led by 645 Ventures in October 2025, bringing total funding to roughly $21M.