borderless-banking
(3)
Cleva
Cleva is a USD banking platform that lets freelancers, remote workers and businesses in Africa - starting with Nigeria - open U.S. dollar accounts in their own name, receive international payments via ACH, wire, or stablecoins (USDC/USDT), and spend through a virtual dollar card. Founded in 2023 by Stripe and AWS alumni Tolu Alabi and Philip Abel, and backed by Y Combinator (W24), Cleva helps users get paid in dollars and hedge against local currency volatility.
Spring in Africa
Spring in Africa is a Nigerian-rooted fintech that lets people and small businesses send, receive, and hold money across borders in both fiat and crypto. It began as Wallet.ng, grew into Wallets Africa, and in 2023 launched Spring, a multi-currency wallet that pairs an instant account number, cashback, and payment links with Ethereum and stablecoin transactions shown in plain USD. Backed by Y Combinator (W19), Michael Seibel, Microtraction, Samurai Incubate, and Mozilla, the company has processed millions of dollars a month for tens of thousands of consumer and business accounts.
YouTrip
YouTrip is a Singapore-based fintech that operates a multi-currency mobile wallet and companion Mastercard prepaid card, letting travelers and everyday spenders hold and exchange 10 currencies in-app and pay in more than 150 currencies overseas at wholesale FX rates with no added transaction fees. Founded in 2018 by Caecilia Chu and Arthur Mak, the company has expanded from consumers into SMEs through YouBiz, a corporate multi-currency card, and processes roughly US$15 billion in annual transaction volume across Singapore, Thailand and Australia.