A new category between company formation and payment accounts.
SUPA gives principal international operators one managed business for cross-border operations — lighter than owning another company, more operational than a payment account.
The problem
International operators are forced to build infrastructure before doing business.
A small operator that wants to buy in one country and sell in another has to assemble seven separate vendors before doing any business — a registration agent, a corporate lawyer, a banking app, a card issuer, a payment processor, a foreign-exchange provider and a compliance vendor. Six to twelve weeks and five to fifteen thousand dollars are spent on integration before the first invoice. The bottleneck is integration, not technology.
The product
One subscription. Seven vendors replaced.
Business Setup is one connected operating perimeter for one cross-border activity: registered business, multi-currency accounts, Mastercard issuing, card acceptance, foreign exchange, supplier payments, signed invoices and reporting. The client does not own a separate legal entity, does not assemble five financial providers and does not maintain seven contracts. The operating workspace is already in place.
Category and positioning
Category and positioning.
Line 1
Company formation gives ownership. Payment accounts move money. SUPA gives operational readiness.
Line 2
Payment accounts move money. SUPA gives the business the money moves through.
Line 3
Lighter than owning another company. More operational than a payment account.
Line 4
Built for principals. Not for conduits.
Target customer
Principal operators with meaningful cross-border flow.
SUPA serves three principal-operator segments: principal trade operators (sourcing companies, equipment importers, niche distributors); project principal contractors (hospitality fit-out, exhibition build, event production, equipment installation); and cross-border service principals (relocation, immigration and education-placement firms). The qualifying profile is one to fifteen people, USD 250,000 to USD 3 million of annual own-account cross-border flow, one core international activity, and a felt economic loss when payments are delayed or currencies move against the operator.
Competitive positioning
Where we sit in the landscape.
| Category | Representative players | Where SUPA differs |
|---|---|---|
| Company formation | Stripe Atlas · Tide · Wise UK formation · Wyoming agents | SUPA does not register a separate company for the client. The client uses a managed business inside SUPA SPC instead. |
| Multi-currency accounts | Wise · Revolut · Payoneer · WorldFirst | SUPA delivers an operating perimeter, not just transaction instruments. |
| Fintech for established companies | Airwallex · Brex · Mercury | SUPA is purchased by operators who do not want to incorporate, or do not need a separate company. |
| Traditional international banks | HSBC · DBS · Standard Chartered | SUPA is built for the speed and operational fit smaller cross-border operators need. |
Five reinforcing pillars
Five reinforcing pillars — alignment is the moat.
Vertical integration
Adjacent products solve one or two of the seven vendor problems. SUPA owns the full stack end-to-end: registration, accounts, cards, payments, foreign exchange, compliance and documents.
Bank-grade ledger from day one
A live TigerBeetle double-entry ledger with atomic transfers, immutable audit trail and 1.1 GB of primary-ledger storage. New entrants must rebuild this for compliance.
Nine-currency emerging-market rail
Live in Nigeria, Brazil, Mexico, Argentina, Colombia, Ghana and Zambia, plus US Dollar and Euro, plus USDC across five blockchain networks. Most fintech competitors are USD/EUR-only.
Document chain-of-custody
Every PDF rendered, hashed, signed under qualified electronic signature and registered with a public verification endpoint. Documents with legal effect, not just files.
Multi-jurisdiction standing
Three live regulatory entities: Cayman SPC incorporation, Canadian British-Columbia incorporation and Hong Kong Cap. 615 Category A Registrant authority. Diversified anti-money-laundering regimes.
Market
Market — bottom-up.
TAM
USD 1–3 billion annual revenue opportunity globally — software and payments revenue from operators in our four target categories.
SAM
USD 150–300 million annually in our initial corridors: UAE / GCC, Hong Kong, Singapore, United Kingdom, Canada, Australia, the European Union, Turkey and operators facing China, India, Vietnam, Latin America and Africa.
SOM
USD 25–40 million ARR base case at 2,000–6,000 paying SUPA Businesses, three to five years from now.
Why now
Why now.
- Stablecoin payment rail maturity — USDC settlement is now production-ready on five chains and removes foreign-exchange latency from the backbone.
- Cross-border KYC infrastructure has commoditised — best-in-class providers expose proper business APIs, allowing SUPA to combine them with company registration in a single product.
- Emerging-market demand — Latin America and Africa lack equivalent products at this price point.
- Regulatory arbitrage window — multi-jurisdiction structure (Cayman SPC + Hong Kong Cap. 615 + Canadian BC) gives flexibility before global stablecoin regimes harmonise.
Traction
Traction — production readiness.
- 102,000 lines of production code, founder-built, with no vendor dependencies on business logic.
- 296 internal system architecture routes; 203 automated tests, 100% green.
- Web portal live at app.supa.red, with auto-renewing TLS, encrypted backups and monitored operations.
- Pay-Links live; signed invoices live; Mastercard issuing live; supplier payouts live in nine fiat currencies.
- Three live regulatory entities; Cayman + Canada + Hong Kong group structure operating.
The ask (public version)
Pre-Seed round open.
Round
Pre-Seed.
Use of funds
Customer discovery and first paying clients in our Tier 1 segment, legal sign-off across our serviceable jurisdictions, partner-contract finalisation and the first sales hire.
Target first close
Third quarter of 2026.
Materials
Investor Strategic Briefing, financial model and pitch deck available on request.
How to engage.
Email me@kostadu.com for the Investor Strategic Briefing, financial model and pitch deck.