trepzy.
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Infrastructure for global internet business

Go global.Run globally.

Your customers are everywhere and every one of them pays differently. Trepzy turns all of it into one account.

Request an inviteExplore Trepzy

Every invite is forged into a numbered access pass with your name on it.

What the infrastructure is

Everything your digital business needs to sell and move money globally.

  • Sell in any market
  • Get paid the local way
  • Control over all your money

Who it’s for

Built for businesses that live on the internet.

If your customers can buy from anywhere, your payments and your money should work everywhere.

  • SaaS

    Subscriptions, trials and seats across markets.

  • AI companies

    Usage billing that survives a spike in demand.

  • Marketplaces

    Split payments and pay out sellers anywhere.

  • Digital products

    One checkout, every currency and method.

  • Agencies

    Bill clients abroad without a local entity.

The platform meets you where you are

Start where you are.Build from there.

Trepzy doesn't require you to be at a certain stage. It starts where your need starts — one market or twenty — and the rest of the platform is there when the operation asks for it.

  1. 01Commerce

    Expand

    Your first markets outside home.

    • First international customers
    • Local payment methods
    • Tax and Merchant of Record
    • Compliant selling from day one
  2. 02Commerce

    Scale

    More volume, more markets, less leakage.

    • Billing and subscriptions
    • Failed payment recovery
    • Protect and dispute handling
    • Analytics across markets
  3. 03Finance

    Operate

    The money after the sale is settled.

    • Balance in USDC
    • Send and receive globally
    • Automated money rules
    • Spend from your balance

The lifecycle

One business.One global financial lifecycle.

Most stacks break the moment revenue becomes a payout. Here the same business, the same identity and the same data carry through from checkout to the money you actually hold.

  1. 01

    Sell

    Checkout, links, subscriptions

  2. 02

    Bill

    Invoices and recurring plans

  3. 03

    Get paid

    Cards, wallets, local methods

  4. 04

    Protect

    Fraud, disputes, chargebacks

  5. 05

    Settle

    Tax handled, funds released

  6. 06

    Keep

    Balance held in USDC

  7. 07

    Move

    PIX, transfers and payouts

  8. 08

    Spend

    Pay suppliers and your team

Commerce and Finance share one business, one set of users and one source of truth. Finance can also be used on its own.

Commerce

Sell where they are.Get paid the way they pay.

A card is not how the world buys. Every market has its own habit, and revenue follows whoever respects it.

Explore Commerce
  • São Paulo, Brazil

    Brazil

    São Paulo
    How they pay
    PIX
    Last payment
    R$ 4.320,00
  • Berlin, Germany

    Germany

    Berlin
    How they pay
    SEPA Direct Debit
    Last payment
    EUR 890,00
  • Tokyo, Japan

    Japan

    Tokyo
    How they pay
    JCB •••• 8801
    Last payment
    ¥ 96,400

Commerce

Turn global sales into revenue.

Fundadora trabalhando no estúdio
Estúdio MarinaSão Paulo → sells to 14 markets · paid in 9 currencies

  • Payments

    Cards, wallets and local methods in every market.

  • Billing

    Subscriptions, usage and plan changes.

  • Invoicing

    Send, track and reconcile on the same rails.

  • Tax

    Rates, thresholds and filings at the moment of sale.

  • Merchant of Record

    We take the contract, the liability and the load.

  • Protect

    Fraud rules, 3DS and disputes inside the flow.

  • Analytics

    Revenue, approval and retention, market by market.

Where commerce meets finance

Your revenue shouldn'tstop at a payout.

Settlement is usually where one product ends and a bank begins. Here it's just the next state of the same money.

Mesa de trabalho de um estúdio de design

Trepzy Payout

Ready to pay out · Feb 2

US$ 8,420.00

Gross volume
US$ 9,120.00
Trepzy fees
− US$ 520.00
Tax handled
− US$ 180.00

Settlement

same business
no export

Pessoa trabalhando com laptop em casa

Trepzy Global Account

Global account balance

US$ 42,845.20

Paid out from Commerce
+ US$ 8,420.00
Converted to BRL · PIX
US$ 5,894.00
Kept in USDC
US$ 2,526.00

Finance is not an add-on. You can open it, fund it and run your money on Trepzy without ever selling through Commerce.

Trepzy Card

Then spend it,wherever you land.

The card spends the balance you already hold. No top-up, no separate wallet, no conversion surprise at the counter.

  1. 01

    Issued in seconds

    Virtual right away. Metal when you want to carry something that lasts.

    Visa · Mastercard
  2. 02

    In the wallet you already use

    Add it to Apple Pay or Google Pay and tap like any other card.

    Tap to pay
  3. 03

    Spends what you hold

    Pays in local currency straight from the balance, at the real rate.

    150+ countries

One card per person or per team, issued from the same balance. No top-up, no prepaid float sitting somewhere else.

Pessoa caminhando por uma rua à noite
9:01Trepzy Card
trepzyApple Pay

••••  ••••  ••••  4242

Marina DuarteMetal

Spends from your balance

US$ 42,845.20

  • ShibuyaTokyo · today¥ 4,200
  • MetroLisboa · yesterday€ 2,00
  • Hotel Casa BonayBarcelona · Mar 2€ 214,00

Trepzy Finance

Or run your money globally.

An account for internet businesses: hold value in USDC, receive from anywhere, move it on local rails and spend it from the same balance.

Explore Finance
Estúdio Marina LLC · FinanceUSDC · Multi-currency

Total balance

US$ 42,845.20

+ 12.4% this monthAcross 4 currencies · updated just now

Recent movements

See all
  • Settlement from CommerceTrepzy Commerce · today+ US$ 8,420.00
  • PIX sentFornecedor Aurora · 2h ago− R$ 12.400,00
  • Converted to EURUSDC → EUR at 1.0842 · yesterdayEUR 4.180,00
  • GBP deposit receivedFaster Payments · yesterday+ £ 6,200.00
Send PIXConvert to EURDeposit GBPStatement

Receive

USDCPIXWire

Network

Base · Ethereum · Polygon

Address

0x7a3f…9C21
Also receivesPIXSEPAFaster PaymentsWire

Share these details with a customer, a marketplace or a partner in any market.

Money rules

3 active
  • Convert 70% to BRLOn every Commerce settlement
  • Send via PIX on FridaysTo 3 saved recipients
  • Top up team cardsEvery Monday · 4 cards
  • Sweep above US$ 50kMove surplus to reserve

Go global

Expanding into your next market shouldn’t mean rebuilding your stack.

Every new country tends to add a provider, a contract, a tax obligation and a reconciliation problem. Trepzy is built so the second market costs less work than the first — and the tenth costs almost none.

Explore Go GlobalSee pricing
What a new market needs
NeedMarket by marketWith Trepzy
Accepting paymentsA new provider per countryOne integration, local methods
Billing & invoicingA second tool bolted onOne engine for plans and invoices
Tax & complianceAn advisor per jurisdictionResolved at the moment of sale
Merchant of RecordEntities you don't have yetTrepzy can be the seller of record
SettlementAccounts in currencies you lackSettles straight into Finance
Financial operationsExports and reconciliationOne ledger, one login

Availability varies by market and product. We tell you exactly what is live before you build.

In practice

Built for how internet businessesactually charge.

The billing model is rarely the same twice. What stays the same is the money arriving, being protected and becoming usable.

  • Subscriptions

    Plans, seats and trials that change mid-cycle — proration included.

    Pro · 24 seats

    US$ 2,880.00 / mo

    Renews Feb 12

  • Usage & credits

    Usage and credits billed the moment they are consumed.

    1.24M tokens

    US$ 480.20

    Metered · this cycle

  • Split payouts

    Collect once, split and pay out sellers in their own market.

    12 payouts

    US$ 18,400.00

    PIX · SEPA · ACH

  • Invoices

    Invoice clients in their currency and settle in the one you keep.

    INV-2291

    EUR 4,800.00

    Due in 14 days

Shared context

One platform knows moreabout your business.

When revenue and money live in the same system, the answer doesn't need a data pipeline. It needs the right question and one platform that has both.

Why did approval fall this week?

Approval fell 2.4 points, and almost all of it is card payments in Brazil between Feb 3 and Feb 5. One issuer declined 38% of retries in that window. Protect saw no matching rise in fraud signals, so this reads as a routing problem, not a risk one.

Market
Brazil
Method
Card
Approval
89.7%
Window
Feb 3 – Feb 5

Suggested: route retries for this issuer through a local acquirer

Review rule

For developers

The whole platform is an API.

Sell, settle and move money with the same primitives your product already speaks. Test everything in sandbox before a single real cent moves.

  • REST API
  • SDKs
  • Webhooks
  • CLI
  • Sandbox
  • Agent tooling
Read the documentation
NodePythonGocheckout.ts
const payment = await trepzy.payments.create({
  amount: 4820,
  currency: "usd",
  customer: "cus_9Fj2",
  methods: ["card", "pix", "sepa"],
  tax: { mode: "merchant_of_record" },
  settle_to: "finance.usdc"
})

// revenue arrives as balance, not as a pending payout
const rule = await trepzy.finance.rules.create({
  on: "settlement.received",
  split: [{ pix: 0.7 }, { keep: 0.3 }]
})

How we treat your money

New company. Not a newattitude toward money.

Trepzy is young. The way it handles funds, access and records is not where we experiment.

  • Security by default

    Encryption in transit and at rest, scoped keys, and secrets that never live in your frontend.

  • Permissions and roles

    Who can move money, who can only look, and who has to approve — set per business.

  • Auditability

    Every payment, settlement and transfer leaves a record you can export and reconcile.

  • Regulated partners

    We are explicit about where licensed partners sit in the flow, and where Trepzy does not act as a bank.

  • Risk controls

    Fraud, dispute and velocity rules you can read, tune and turn off — not a black box.

  • Data and privacy

    Your business data stays yours, exportable on request, never sold to anyone.

We don’t advertise certifications we don’t hold, or markets we haven’t opened. Ask us what is live today, what is in review, and what is still on the roadmap — you’ll get the actual list.

Straight answers

What people ask before trustinga young company with money.

No hedging, no "contact sales for details". If the answer is "not yet", we say not yet.

Talk to someone
Is Trepzy a bank?
No. Trepzy is software. Regulated services run through licensed partners, and we tell you which partner sits where in the flow.
Do I have to use Merchant of Record?
No. Run Commerce as your own seller of record, or let Trepzy take the contract, the tax obligation and the liability.
Can I use Finance without Commerce?
Yes. Open Finance, fund it and run your money without selling anything through Trepzy. It is a vertical, not an add-on.
Which markets are live today?
It depends on the product and the rail. There is a published list, and we confirm it with you before you build.
How long until I can go live?
Sandbox in minutes. Going live depends on verifying your business — not on a sales cycle.
Do I have to talk to sales?
Only if you want to. Signup is self-serve and pricing is published. Sales exists for operations that genuinely need it.

Start where your business is today

Ready for your next market?

Start with Commerce and sell where you couldn’t before. Finance is there when the money needs somewhere to live.

Request an inviteSee pricing

No sales call required to start. One available if your operation needs it.

Trepzy — Go global. Run globally.