FINANCIAL FREEDOM

FOR SME BUSINESSES

Automate and optimize payments. Every day with rinq.

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Introducing rinq to solve

these challenges for SMBs

Instant FDIC-Insured Account Opening

  • Fully online company onboarding and account setup within 24 h.
  • Checking and savings accounts FDIC-insured up to $250,000.
  • Compliant-friendly Remote onboarding for founders, including Web 3.0 sector

Cross-Border & Stablecoin Transfers

  • Low-fee international payments via ACH, SWIFT, and stablecoin rails (USDC/USDT).
  • Funds settle within minutes, with up to 80% lower transaction costs vs. legacy banks.

Workflow Banking

  • All financial operations — invoices, reimbursements, vendor payments, and accounting sync — in one dashboard.
  • Transactions are automatically reconciled in your accounting system in real time.

Smart Payments & Yield on Balances

  • Cashback on card spending, 0-fee domestic transfers, and interest on idle funds.
  • Charge-card overdraft for temporary working-capital needs without revolving credit.

Team-Based Expense Management

  • Flexible spending limits, role-based access, and department-level controls.
  • Real-time expense tracking by project – integrations with Xero, QuickBooks, NetSuite, and payroll systems.

AI Financial Agent

  • An AI layer that automates expense categorization, report generation, and anomaly detection.
  • Prepares monthly financial statements and insights for founders – automatically.

Core segments

Rinq is built to serve the modern digital economy across core segments

Creative and digital agencies

We provide agencies with increased cashback on expenses and tools to manage projects and teams in one place.

Independent contractors and freelancers

We help independent contractors and freelancers simplify accounting, manage expenses, and file taxes with ease.

E-commerce, web3 teams

We offer e-commerce and web3 teams easy analytics, quick account setup, and seamless stablecoin payments.

Free for Small Teams

The platform is free for up to two team members – perfect for micro-businesses and early-stage startups.

Join the waitlist