The Better Money Company

What The Better Money Company does

The Better Money Company (TBMC) operates a stablecoin clearinghouse that delivers 1:1 fungibility, fixed pricing and guaranteed settlement between stablecoins, targeting fintechs, neobanks, payment companies, banks and stablecoin issuers as end users. The platform abstracts away issuer fragmentation so a single integration routes to many issuers and counterparties, removing the need for builders to integrate each stablecoin, custody provider and compliance rail independently.

The product is built as a chain-agnostic clearing layer initially supporting Ethereum and Solana, using a proprietary redemption-based swap architecture that exchanges tokens atomically. At launch it covers USDC, USDG, PYUSD, SBC, CASH, mUSD, frxUSD and RLUSD, with KYB/KYC handled through Persona and travel-rule compliance delivered via Notabene. BitGo provides custody infrastructure for the assets flowing through the system. The architecture is positioned as GENIUS-compliant, aligning the platform with the emerging U.S. stablecoin regulatory regime.

TBMC pursues a dual revenue model combining per-transaction fees with subscription and enterprise licensing, and entered the market via a public waitlist on 2026-03-31. The company is a Delaware-incorporated, New York-based startup founded in 2025 by Sam Broner and Adam Zuckerman, backed by a $10 million seed round led by a16z Crypto and supported by an ecosystem of 20+ partners spanning issuers (Paxos, Agora, M0, Frax, Brale), wallets (MetaMask, Phantom), ramps (MoonPay, Ramp), treasury and payments (Bridge, Modern Treasury), and infrastructure (Privy, Turnkey, LayerZero).

Name

The Better Money Company

Legal name

The Better Money Company

Website

https://bettermoney.com/

Company type

Private

Founded year

2025

Operating status

Operating

Headcount range

1–10 employees

Short description

The Better Money Company operates a stablecoin clearinghouse providing 1:1 fungibility, fixed pricing, and guaranteed settlement across issuers, serving fintechs, neobanks, payment companies, banks, and stablecoin issuers via Ethereum and Solana.

Ownership category

akta.pro rank

Product category

Stablecoin Clearinghouse / Digital Payments Infrastructure

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

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

akta.pro primary industry

Stablecoin Payment Rails & Settlement Networks (Issuer-Led) (FSADADAF)

akta.pro secondary industries

Mint/Redeem, Issuance APIs & Treasury Operations Platforms (FSADADAE), Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL), Enterprise Payments & Tokenized Money (stablecoins, tokenized deposits, CBDC rails) (FSAPAIAJ)

Keywords

• Stablecoin clearinghouse
• Digital payments infrastructure
• Blockchain interoperability
• Cross-border payments
• Stablecoin settlement

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Platform Services / Clearing Fees: Revenue generated from facilitating stablecoin swapping and clearing services through the platform. Fees are set forth in Order Forms with customers paying fees for platform access and services (Section 7 of Terms of Service).
2. Enterprise Platform Licensing: Technology platform services provided to enterprise customers including APIs, interfaces, dashboards, and related tools. Access granted via Order Forms with associated fees.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

The Better Money Company (TBMC) operates a stablecoin clearinghouse that connects stablecoin issuers with fintechs, neobanks, payment companies, banks, and other businesses building with stablecoins. The platform enables 1:1 fungibility across any GENIUS-compliant stablecoin via redemption-based At Par Swaps ($1 in = $1 out), with fixed fees, guaranteed settlement times, and a compliant source of funds from KYBd clients. It is delivered through a blockchain-agnostic architecture (initially Ethereum and Solana) and a TBMC Platform API for execution, orchestration, and clearing.

Product overview

The Better Money Company operates a single unified product: a stablecoin clearinghouse that enables interoperability between different stablecoins at 1:1 par value. The clearinghouse connects stablecoin issuers to fintechs, banks, neobanks, and other businesses building with stablecoins. Companies launching stablecoins can integrate once to have their stablecoin accepted at par by any company on the network. Companies building with stablecoins can plug in once to accept or send any supported stablecoin. The TBMC Platform API provides the technical interface for these clearing and settlement services. Supported stablecoins initially include USDC, USDG, PYUSD, SBC, CASH, mUSD, frxUSD, and RLUSD, with support for any GENIUS-compliant stablecoin. The platform operates on blockchain-agnostic infrastructure, initially supporting Ethereum and Solana.

Differentiator

Problem solved

Functional benefit

Products and services

• Stablecoin Clearinghouse A neutral clearing platform that connects stablecoin issuers to fintechs, banks, neobanks, payment companies, and other businesses building with stablecoins. It enables 1:1 fungibility across any supported GENIUS-compliant stablecoin (including custom stablecoins) via At Par Swaps, with fixed fees, guaranteed settlement times, and a compliant source of funds from KYBd clients and GENIUS-compliant issuers.
• TBMC Platform API Technology platform APIs and interfaces that facilitate stablecoin swapping, clearing, and related services on the TBMC clearinghouse, allowing authorized users to execute, orchestrate, and facilitate transactions on behalf of customers subject to Order Form terms and compliance requirements.

Quantifiable outcome

• Stablecoins settle in seconds and cost pennies to send vs. traditional rails
• +2 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration21 records

Feature5 records

Partnerships

18 partnerships are on record, tiered core and minor.

• BitGocoreTechnology or Integration · 31 March 2026BitGo provides Crypto-as-a-Service infrastructure to support TBMC's stablecoin clearinghouse. BitGo provides OCC-regulated compliant issuer onboarding and qualified custody wallet infrastructure. BitGo serves as the backend infrastructure allowing TBMC to focus on platform development.
• PaxoscoreStrategic or Co-development Partner · 31 March 2026Stablecoin issuer and sponsor intending to join the TBMC clearinghouse. Paxos issues regulated stablecoins including PYUSD and USDP, bringing compliant stablecoin supply to the clearinghouse network.
• Bridge (a Stripe Company)coreStrategic or Co-development Partner · 31 March 2026Stablecoin issuer and sponsor intending to join the clearinghouse. Bridge, acquired by Stripe, provides enterprise stablecoin infrastructure and intends to integrate with TBMC.
• MoonPaycoreStrategic or Co-development Partner · 31 March 2026Stablecoin issuer and sponsor intending to join the clearinghouse. MoonPay provides on/off ramp services and stablecoin issuance, expanding the clearinghouse's reach.
• AgoracoreStrategic or Co-development Partner · 31 March 2026Stablecoin issuer and sponsor advancing digital dollar adoption and interoperable stablecoin rails. Partnering with TBMC to help stablecoins function at real-world scale.
• M0coreStrategic or Co-development Partner · 31 March 2026Stablecoin issuer and sponsor developing compliant stablecoin infrastructure. Partnering to build important components for sustainable stablecoin growth.
• BastioncoreStrategic or Co-development Partner · 31 March 2026Stablecoin issuer and sponsor providing enterprise infrastructure for stablecoin custody and payments. Partnering to build systems that make stablecoins easier to move and use.
• FraxcoreStrategic or Co-development Partner · 31 March 2026Stablecoin issuer and design partner. Frax's frxUSD will be supported as an initially supported stablecoin. Frax is building alongside TBMC as a design partner to make frxUSD a default option for stablecoin payments.
• BralecoreStrategic or Co-development Partner · 31 March 2026Stablecoin issuer and sponsor offering bespoke stablecoin issuance platforms. Partnering to extend capabilities for programs running custom stablecoins and businesses building on top of them.
• MetaMaskcoreStrategic or Co-development Partner · 31 March 2026Stablecoin issuer and sponsor (via ConsensSys) intending to join the clearinghouse network.
• PhantomcoreStrategic or Co-development Partner · 31 March 2026Stablecoin issuer and sponsor (wallet provider) intending to join the clearinghouse network.
• RampcoreStrategic or Co-development Partner · 31 March 2026Builder partner providing payment infrastructure. Excited to work with TBMC to deliver exceptional money experiences to customers using faster, cheaper stablecoin rails.
• Modern TreasurycoreStrategic or Co-development Partner · 31 March 2026Builder partner in payment operations infrastructure. Helping build infrastructure as teams operate across both fiat and stablecoin rails, with TBMC providing the foundation for that infrastructure.
• PrivycoreTechnology or Integration · 31 March 2026Wallet infrastructure provider powering the wallet layer for TBMC. Privy provides embedded wallet technology enabling users to have wallets in seconds.
• TurnkeycoreTechnology or Integration · 31 March 2026Non-custodial wallet and enclave-based signing infrastructure partner. Combining Turnkey's secure key management with TBMC's infrastructure for how stablecoins move and settle.
• NotabenecoreTechnology or Integration · 31 March 2026Compliance and stablecoin payment infrastructure partner. TBMC is developing stablecoin settlement infrastructure with Notabene. Notabene provides compliance platform including Notabene Flow for secure B2B transactions.
• LayerZerocoreTechnology or Integration · 31 March 2026Cross-chain messaging infrastructure partner. Enabling issuers to deploy and expand stablecoins across chains, with TBMC ensuring those assets can be used across an even broader set of networks.
• alfredminorStrategic or Co-development Partner · 31 March 2026Builder partner focused on US-Latin America payment corridors. Bringing faster, cheaper, more reliable payments to the US-Latin America routes using stablecoins.

Scale indicators3 records

Recent moves6 records

Expansion highlights7 records

Direct peers

• Circle: Circle is the issuer of USDC and operates Circle Payment Network and Cross-Border Transfer APIs. It targets the same fintech and neobank customer base as TBMC and could plausibly launch a competing multi-stablecoin clearinghouse given its balance sheet and existing issuer relationships.
• Bridge (Stripe): Bridge is a stablecoin issuance and orchestration platform acquired by Stripe for ~$1.1B. It competes directly with TBMC by providing enterprise stablecoin APIs and payment infrastructure, and is already a TBMC launch partner, illustrating how closely the two offerings overlap.
• BVNK: BVNK is a stablecoin payments platform providing acquiring and settlement infrastructure for merchants and fintechs. It targets the same cross-border payments and merchant use cases as TBMC and offers competing value propositions around multi-currency stablecoin acceptance.
• Paxos: Paxos issues regulated stablecoins (PYUSD, USDP) and provides stablecoin infrastructure to enterprises. Despite being a TBMC launch partner, Paxos has the capability to offer competing clearing and settlement services to its issuer and fintech customers.
• Fireblocks: Fireblocks is a digital asset custody and settlement platform used by banks, fintechs, and exchanges. While focused on custody, its payment engine and network business overlap with TBMC's clearing and cross-stablecoin settlement proposition.
• Zero Hash: Zero Hash provides crypto and stablecoin infrastructure-as-a-service, including custody, payments, and settlement APIs for fintechs and banks. It serves a similar customer segment and offers overlapping functionality to TBMC's clearing and settlement rails.

Emerging players

• M0: M0 is a stablecoin infrastructure platform enabling any brand to launch their own compliant stablecoin. Despite being a TBMC partner, M0's distribution capability could compete for the same issuer customers TBMC is targeting.
• Agora: Agora is a regulated stablecoin issuer focused on interoperable digital dollar infrastructure. It is both a TBMC launch partner and a potential competitor for cross-stablecoin payments traffic.
• Modern Treasury: Modern Treasury is a payment operations platform that helps businesses operate across both fiat and stablecoin rails. As a TBMC builder partner, it serves the same fintech/enterprise customer base and could potentially integrate alternative clearing solutions.

Broad incumbents

• Coinbase Commerce: Coinbase Commerce offers merchants the ability to accept stablecoin and crypto payments, sitting within Coinbase's broader exchange and custody franchise. It overlaps with TBMC's payment use case but does not offer cross-stablecoin clearing in TBMC's redemption-based architecture.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/bettermoney_co
• LinkedInlinkedin.com/company/the-better-money-company/about/?viewAsMember=true

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds1 record

Investors5 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 The Better Money Company