Multi-currency spend, verified to the cent.

A startup billing in euros, paying contractors in pounds, and raising in dollars shouldn't need three banks and a spreadsheet to know what it has. Traditional banking leaves that audience underserved: SMEs, marketplaces, and cross-border teams.

Peanuds set out to be the account those businesses run on, with multiple currencies, real cards, and clean spend controls. Customers judge a fintech on two checks they can run themselves: onboarding that confirms who they are, and balances that are right to the cent.

We owned both surfaces. A rounding error or a skipped check there becomes the customer's problem and the customer's compliance risk.

Peanuds grew to a reported 2,000–3,000 businesses running multi-currency accounts on the platform, onboarded through the verification flow and managing spend in the dashboard.

Because verification was built for compliance from the start, the platform could open real e-money accounts backed by regulated payment infrastructure that holds up to audit.

The product is live and evolving, now expanding from its spend-management roots toward white-label fintech infrastructure for other builders.