Accrue is a New York fintech that powers modern customer loyalty at the payment layer. Its brandable, stored-value digital wallet lets merchants take control of their payments and refunds, reward repeat customers, and reduce reliance on traditional card networks. Founded in 2021 by Michael Hershfield as a 'save now, buy later' alternative to BNPL, the company has expanded into a full-stack wallet, reward engine, pay-by-bank payments and closed-loop refunds used to lift order value and shopper frequency.
OpenNode is a Bitcoin payment processor and infrastructure provider that lets businesses accept Bitcoin and send payouts globally, settling instantly over the Lightning Network with automatic conversion to local currencies. Founded in 2018 and headquartered in Los Angeles, the company powers checkout, payouts, in-person payments and a developer API for merchants ranging from McDonald's El Salvador to Substack, charging a flat 1% fee with built-in chargeback protection.