See the real cost before you send and take the lower-cost route. Typical savings vs a bank transfer are shown up front.
Cross-border payments for businesses
Pay overseas suppliers for a fraction of the cost — with the proof your accountant needs.
Money in and out in normal dollars. MyVaultOS finds the cheaper route behind the scenes, keeps you in control of every approval, and stores the quote, receipt and invoice together in one file.
Payment runsAI reviewProtected releaseFunding request packsLoan and facility filesLC application packsEncrypted workflow records
You approve every payment. Your own wallet or provider moves the money — MyVaultOS never holds your funds.
Quote, approval, receipt and invoice stay together in one file, ready for your accountant.
Start and finish in regular dollars. The cheaper rails work behind the scenes — you never touch crypto if you don’t want to.
09:41Secure session
Business cash view
Invoices + suppliers + card routesSupplier-ready $42,8004 approval files
TodayView all
Supplier invoice awaiting approvalSteelworks Pty Ltd - $6,420Approve
Payroll evidence pack completeFortnightly contractor runFiled
FX quote refreshed for USD invoiceValid for 8 min - $18,000Review
Your AI CFO
Run your money obligations by just asking.
MyVaultOS is the control layer an AI CFO drives in plain English. Tell it what you want — pay this batch, set up that loan schedule, prepare a letter of credit, protect this trade payment — and it gathers the evidence, prepares the action and shows you the cost and the risks. Every move stays human-approved, capped and recorded.
Bring your own AI
Connect ChatGPT, Claude, Copilot or your own assistant with a scoped, revocable credential — not your login. It can read approved context, draft and request actions, but never moves money, changes billing or commits on its own. Every assisted action is tied to a permission, a cap, an approval and a receipt.
AI
“Pay the suppliers due this week using the cheapest route — hold anything missing a receipt.”
AI
“What’s blocking this batch?”
AI
“Set up the repayment schedule for the Hansa loan and remind me 3 days before each instalment.”
AI
“Draft the letter-of-credit pack for the Tianjin shipment and flag any document gaps.”
AI
“Show me every obligation falling due before month-end and the cash to cover them.”
The AI tracks what’s owed, what’s due and what’s at risk across suppliers, loans, facilities and trade payments — and tells you in plain English.
Ask for a protected payment and the AI prepares the on-chain release rule — funds only move when the agreed condition is met. You approve; your wallet executes.
Repayment schedules, drawdowns, covenants and renewal packs — drafted, tracked and reminded, with the proof attached.
The AI assembles the LC application, the document checklist and the presentation window, and flags discrepancies before they cost you.
Why it’s different
Not a bank. Not a single crypto rail. Not just accounting.
MyVaultOS is the layer that sits over all of them — choosing the cheapest licensed route, keeping you in control, and proving every step.
Instead ofBanks & money transfer apps
Hold your money and take a margin on every transfer.
MyVaultOS
We never touch your funds. You route to the cheaper rail and keep the proof.
Instead ofCrypto rails & payout APIs
Powerful, but each is single-region and takes custody to operate.
MyVaultOS
We sit above many licensed rails and pick the best one per corridor — no custody, no lock-in.
Instead ofAccounting & AP tools
Track what’s owed, but can’t actually move money or prove it on-chain.
MyVaultOS
We turn the obligation into a controlled, approved payment with the receipt attached.
Payment file operating system
One file carries the payable, evidence, approval, provider response and export record.
The product is not just a transfer screen. It is the operating layer around business payments: intake, exception review, route or instrument choice, approval history, provider references and reconciliation.
Import a payable or create a supplier, loan, facility or trade document file.
Check missing proof, duplicate bills, changed details, route fit and open exceptions.
Use a payment run, protected release, LC pack, loan file or funding request pack.
Keep approval history, provider references, receipts and reconciliation records together.
What the workspace handles
Supplier payments, protected instruments, credit-adjacent records and reconciliation in one flow.
Plans scale from simple payment files to business payment runs, facility controls, LC application packs and third-party funding request packs.
Run payables from intake to reconciliation.
Import Xero, ERPNext or ABA data, approve requirements, compare routes, prepare payment runs and export reconciliation evidence.
Reduce finance busywork before approval.
AI prepares the review brief, highlights exceptions, finds repeated workflows and keeps open issues visible.
Add release rules when a file needs control.
Prepare protected documentary payments, milestone releases, retention releases, repayment undertakings and performance-security workflows.
Service records without originating credit.
Track business loan files, private repayment records, facility limits, drawdowns, covenants, renewal packs and proof.
Prepare partner-led trade-finance records.
Build letter-of-credit application packs, document checklists, presentation windows, discrepancy notes and partner references.
Package verified payable evidence for provider review.
Use deterministic checks, customer consent, evidence bundles and provider response records. Providers issue terms and funding decisions.
Route and proof layer
Route comparison supports the file; reconciliation closes it.
MyVaultOS keeps route choice, cost evidence, provider status and receipts with the original payable, so finance can see what was approved and what happened next.
Route comparisonCosts before approval
Compare provider quote, estimated fees, timing, corridor fit and recipient amount before a payment run is approved.
Provider handoffReferences kept
Provider quotes, expiry, status, receipt references and settlement proof remain attached to the payment file.
Finance closeExport-ready
Payment requirements, approvals, receipts, evidence and reconciliation rows are packaged for accounting and audit.
Route examples are informational until a live provider quote is attached to the file. Final cost depends on provider checks, corridor, FX, spread, payout method, timing and recipient details.
Your money stays yours
Your money never touches us.
You approve every move, and your own wallet or chosen provider executes it. MyVaultOS holds the records and the proof — never your funds, keys or seed phrase.
How we keep you safeMyVaultOS does not hold customer funds, seed phrases, private keys or recovery words.
Funding packs, LC workflows and protected-instrument workflow records are encrypted before database storage.
Wallet, payment, card, funding, KYC/KYB and cash-out providers operate under their own terms and controls.
MyVaultOS prepares records, approvals and evidence. Regulated or live-value actions stay with the user or provider.
Supporting modules
Open the specialist pages only when the file needs them.
Route comparison, provider setup, card routes and security are supporting modules. The centre remains the payment file and its evidence record.
Plans
Start with clean records. Add business controls when the workflow needs them.
Personal covers manual files and proof. Business adds payment runs and AI review. Business Pro adds facilities, funding packs and policy controls. Enterprise adds connected provider adapters and partner-led trade-finance support.
Individuals, freelancers and operators who need manual payment files, route visibility and proof without business batch tools.
- Manual payment files
- Basic route comparison
- Private loan records and repayment tracking
- Evidence upload
- Receipt and audit record
Small teams that need supplier payables, batch review, best-cost routing and AI exception checks.
- Xero, ERPNext and ABA intake
- Payment runs and best-cost route recommendation
- Business loan files, repayment schedules and borrower/lender proof
- Protected documentary payment and escrow-backed undertaking workflows
- Supplier status, evidence, approvals and disputes
Higher-volume teams that need automation, policy controls, recurring workflows and stronger approval governance.
- Multi-entity workspaces
- Maker-checker, spend caps and counterparty caps
- Business facility management, covenant reminders and renewal packs
- Third-party funding request packs from verified payable evidence
- Facility drawdown, milestone payment and retention release workflows
Partner-led or live-value pilots that need custom rails, compliance review and bespoke integration support.
- Custom provider rail configuration
- Connected funding provider adapter support
- Partner-issued letter of credit application pack workflow
- Performance security, partner-led facility and trade-finance workflow support
- Safe / ERC-4337 smart-wallet and paymaster setup
MyVaultOS records routes, approvals, provider responses and proof. It does not custody funds, hold recovery material, issue credit, issue letters of credit or execute payments.
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