What Arival does

Arival is a US-licensed digital banking platform serving global businesses, startups, and individuals who require multi-currency banking and stablecoin integration without establishing a physical presence. The platform is operated by Arival Bank International Corp., licensed as an International Financial Entity (license #IFE-065) by the Office of the Commissioner of Financial Institutions in Puerto Rico, under parent entity Arival Pte. Ltd. incorporated in Singapore, with additional operating subsidiaries Arival EU UAB (Lithuania) and Arival Inc. Arival's product surface supports USD and 13 additional currencies, cross-border payment rails (SWIFT, SEPA, Fedwire, ACH, FPS), and native USDC/USDT stablecoin conversions across Base, Polygon, Solana, and Ethereum networks, with FDIC pass-through insurance coverage up to $50M for Premium accounts provided through settlement partners. The company reports 1,000+ accounts opened, $1.2B in monthly transaction volume, and a client footprint spanning 50+ countries.

The platform is structured around three tiered offerings: Personal Accounts (from $9/month, FDIC up to $2.5M), Business Standard ($99/month, FDIC up to $2.5M), and Business Premium ($199/month, FDIC up to $50M). Revenue is generated through recurring monthly subscriptions plus transactional fees on FX conversions (0.10%–0.30% depending on tier and volume), wire transfers ($3–$60 depending on rail and tier), and stablecoin conversions (0.05%–0.15% plus flat fees). Distribution is digital-only, combining self-serve onboarding and a free first-month trial with enterprise sales support. A unified web dashboard provides multi-entity management with custom roles, permissions, and consolidated treasury views, complemented by iOS/Android mobile applications, with a fiat-and-stablecoin card product forthcoming. The stablecoin conversion service is delivered through a dedicated partner agreement rather than built in-house.

Arival is a privately held fintech founded in 2018 with 51–100 employees and offices in San Juan and Singapore. Disclosed cumulative funding totals approximately $10.8M across multiple rounds from 2018 through 2022, led by Polyvalent Capital with participation from Meta Impact Capital and SeedInvest. The company holds SOC-2 certification, is regulated under Puerto Rico IFE rules, and maintains a digital-first go-to-market positioned against traditional correspondent banking constraints for cross-border businesses.

Name

Arival

Legal name

Arival Pte. Ltd.

Website

https://arival.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

51–100 employees

Short description

Arival is a US-licensed digital banking platform offering multi-currency accounts, cross-border payments, and native stablecoin integration for global businesses, startups, and individuals across 50+ countries.

Ownership category

akta.pro rank

Product category

Digital Banking

NAICS

Depository Credit Intermediation (5221), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Commercial Banking (52211)

SIC

Finance Services (6199), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)

akta.pro primary industry

Cross-Border & FX Payments Platforms (BPAMAFAK)

akta.pro secondary industries

Embedded Card Issuing & Card-as-a-Service (FSAGALAC), Crypto Remittance & Cross-Border Money Transfer Providers (FSADAIAD), Instant Payment Scheme Connectivity & Processing (e.g., FedNow, SEPA Instant, Faster Payments) (FSAMAHAD)

Keywords

• Digital banking services
• Multi-currency accounts
• Cross-border payments
• Stablecoin conversions
• Business banking platform

Headquarters

HQ city

Miami

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Compliance, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Subscription Fees: Monthly subscription fees for business and individual accounts. Business Standard starts at $99/month, Premium at $199/month. Individual accounts from $9/month. First month free for business accounts.
2. Foreign Exchange Fees: FX conversion fees charged on currency transactions. Rates from 0.10% standard, decreasing to 0.10% for higher volume tiers. Volume-based pricing model.
3. Stablecoin Conversion Fees: Fees for converting between USD and stablecoins (USDC, USDT). Starting at 0.05% + $15 for business accounts (above $1M monthly volume), higher rates for lower tiers.
4. Wire Transfer Fees: Outbound transfer fees including SWIFT ($60 Standard / $45 Premium), SEPA ($15/$10), ACH ($6/$3), FPS ($8/$4), internal transfers ($5-$25).
5. Digital Asset Custody: Digital asset custody included free with business accounts. Revenue derived from transaction volume and asset conversion activities.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Arival provides a digital-first banking platform that enables global businesses, startups, and individuals to open USD and multi-currency accounts, send international transfers via SWIFT/SEPA/Fedwire/ACH/FPS, convert between fiat and stablecoins (USDC/USDT), and manage multiple entities under a single dashboard. Services are delivered through web and mobile channels, with FDIC-insured coverage up to $50M via settlement partners and compliance under an International Financial Entity license in Puerto Rico.

Product overview

Arival Bank is a US-licensed digital banking platform offering a unified solution for global businesses and startups. The platform provides Personal Accounts for individual financial management and Business Accounts for multi-entity, multi-currency business operations. A Stablecoin Solution enables USD-Stablecoin conversions supporting USDC and USDT across Base, Polygon, Solana, and Ethereum networks. All services are accessible via web dashboard and Mobile App (iOS/Android). The platform is regulated by OCIF in Puerto Rico as an International Financial Entity (license #IFE-065) and offers tiered pricing with FDIC insurance coverage up to $50,000,000 for business accounts.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Accounts Digital banking accounts for businesses to manage multi-currency funds, send international transfers (SWIFT, SEPA, Fedwire, ACH, FPS), and operate multi-entity treasury with role-based permissions. Offered in Standard ($99/month, FDIC up to $2.5M) and Premium ($199/month, FDIC up to $50M) tiers.
• Personal Accounts Digital banking accounts for individuals to manage personal finances globally, receive payments, hold funds in multiple currencies, and send money worldwide via SWIFT, SEPA, and Fedwire. Priced from $9/month with FDIC coverage up to $2.5M.
• Stablecoin Solution USD-Stablecoin conversion service enabling USD-to-USDC/USDT and reverse conversions for business and personal accounts, with rates from 0.05% (business) and 0.10% (individuals). Supports Base, Polygon, Solana, and Ethereum networks.
• Arival Mobile App Mobile banking application enabling users to send payments worldwide, oversee multiple entities from one dashboard, review statements, export reports, and monitor balances with real-time alerts. Available on iOS and Android.

Quantifiable outcome

• $1.2B monthly transaction volume
• +4 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Three partnerships are on record, tiered core.

• Stablecoin Services PartnercoreTechnology or IntegrationPartner provides stablecoin services including USDC and USDT support on Base, Polygon, Solana, and Ethereum networks. Existing clients sign partnership agreement during application; new clients accept agreement during onboarding.
• Settlement PartnerscoreOthersSettlement partners provide FDIC insurance coverage for customer deposits. Business Premium accounts insured up to $50M; Standard/Individual accounts up to $2.5M through these partner institutions.
• Financial Services ProviderscoreOthersThird-party financial technology companies enabling account access, fund transfers, and banking services. Arival acts as agent and facilitator connecting customers to partner financial institutions.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Airwallex: Global business accounts platform offering multi-currency wallets, FX, and cross-border payments across dozens of countries. Closest direct comparable on multi-currency + cross-border positioning for SMBs.
• Revolut: Global digital bank offering multi-currency accounts, international transfers, and business banking to individuals and companies. Comparable scale of multi-currency offering and global footprint.
• bunq: European licensed digital bank offering multi-currency accounts, international transfers, and business banking across the EU. Comparable as a licensed digital-only bank with cross-border payment focus.
• Brex: All-in-one business banking and corporate cards platform for startups and enterprises with multi-currency accounts and global payments. Competes head-on with Arival's business account offering and card launch.
• Relay Financial: US business banking platform focused on SMBs with multi-sub-account treasury management and bill pay. Comparable on multi-entity treasury management value proposition for small businesses.
• Payoneer: Cross-border payments and multi-currency business accounts platform for freelancers, SMBs, and marketplaces. Overlaps with Arival on USD receiving accounts, FX, and global payouts for digital-first businesses.
• N26: European licensed digital bank with multi-currency accounts and global transfer features serving both consumers and businesses. Comparable licensed digital banking model with cross-border capabilities.
• Mercury: US business banking platform serving startups and SMBs with multi-currency accounts, wire/ACH transfers, and API-driven treasury tooling. Direct competitor in cross-border business banking for the same global startup customer segment Arival targets.
• Wise: Multi-currency account and international money transfer platform serving both individuals and businesses. Competes with Arival on FX pricing, SWIFT/SEPA coverage, and global account access for SMBs.

Emerging players

• Bridge (Stripe): Stablecoin infrastructure platform acquired by Stripe, providing USDC-based business payments and wallet APIs. Overlaps with Arival's stablecoin offering and represents both a competitor and potential infrastructure dependency as stablecoin banking converges.

Market position

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/arivalbank

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries3 records

Funding overview

Funding rounds7 records

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Arival