Infrastructure for Global Commerce

Modern Finance for Trade Businesses

Send, receive, finance, and manage money worldwide with fast settlement across local and global rails.

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Untappd Labs Inc. DBA “Specie” is not a bank and does not hold deposits. Payment services are provided through our regulated ramping partners. All transactions are subject to applicable laws, regulations, and compliance requirements, including KYC, AML, and sanctions regulations.

Send wire transfer

Send a wire to over 124+ countries with local settlement

ACH & Domestic Transfer

Send international transfers via domestic rails

Invoice Factored

Jan 13, 1:42 pm

$32,000.00

+$32,000.00 has been advanced to your account

Wire transfer pending approval

Jan 21, 3:32 pm

$6,800.00

Transfer of $6,800.00 to Tokyo Trading Co awaiting approval (1 of 2)

Send wire transfer

Send a wire to over 124+ countries with local settlement

ACH & Domestic Transfer

Send international transfers via domestic rails

Invoice Factored

Jan 13, 1:42 pm

$32,000.00

+$32,000.00 has been advanced to your account

Wire transfer pending approval

Jan 21, 3:32 pm

$6,800.00

Transfer of $6,800.00 to Tokyo Trading Co awaiting approval (1 of 2)

Wire transfer pending approval

Jan 21, 3:32 pm

$6,800.00

Transfer of $6,800 to Tokyo Trading Co awaiting approval (1 of 2)

Wire transfer pending approval

Jan 28, 5:44 pm

$1,322.00

Transfer of $1,322.00 to DiGi Co. awaiting approval (1 of 2)

SWIFT transfer completed

Jan 5, 2:12 pm

$4,287.34

Transfer of $4,287.34 to Nexus Soluções Ltda. has been completed

Send wire transfer

Send a wire to over 150+ countries with local settlement

Wire transfer pending approval

Jan 21, 3:32 pm

$6,800.00

Transfer of $6,800 to Tokyo Trading Co awaiting approval (1 of 2)

Wire transfer pending approval

Jan 28, 5:44 pm

$1,322.00

Transfer of $1,322.00 to DiGi Co. awaiting approval (1 of 2)

SWIFT transfer completed

Jan 5, 2:12 pm

$4,287.34

Transfer of $4,287.34 to Nexus Soluções Ltda. has been completed

Send wire transfer

Send a wire to over 150+ countries with local settlement

Why Us

A better way to operate globally

Built for importers / exporters operating across borders and currencies

Global coverage

Send and receive payments across 124+ countries using local rails and international networks, with transparent FX pricing.

Fast settlement & factoring

Move money at domestic speeds with same-day settlement and factoring in supported cross-border corridors.

One unified platform

Manage payments, invoices, factoring, and treasury, while earning 4%+ yield on balances backed by U.S. treasuries, managed by BlackRock.

Transparent FX and Fees

Convert currencies at competitive, upfront fees as low as 0.2% above mid-market rates.

Supported worldwide currencies and businesses

Currencies supported

Countries served

Payment types integrated

How It Works

Simple setup with enterprise reach

1. Create and verify your account

2 Fund and manage balances

Add funds with multiple rails and manage balances across virtual accounts with dedicated payment details.

3. Move money globally

Send and receive payments across local and international rails with fast settlement and transparent fees.

How It Works

Simple setup with enterprise reach

1. Create and verify your account

2 Fund and manage balances

Add funds with multiple rails and manage balances across virtual accounts with dedicated payment details.

3. Move money globally

Send and receive payments across local and international rails with fast settlement and transparent fees.

How It Works

Simple setup with enterprise reach

1. Create and verify your account

2 Fund and manage balances

Add funds with multiple rails and manage balances across virtual accounts with dedicated payment details.

3. Move money globally

Send and receive payments across local and international rails with fast settlement and transparent fees.

Features

One account for trade finance workflows

Global payments & fast Settlement

Send and receive internationally at the speed of domestic transfers like SPEI, SEPA, FTS, and PIX with support for SWIFT payments.

Invoice #1048

Reviewing

Buyer

Atlas Foods LLC

Invoice Amount

$100,000.00

Terms

Net 30

Advance

90%

Invoice verified

Buyer approved

Documents matched

Invoice Advance

$90,000.00

Destination

Specie USD Account

Submitting payment…

International invoice factoring

A fully digital invoice factoring and payments platform for exporters. Finance international invoices from 1.5% per 30 days and settle in real time to your account.

Competitive FX & low fees

Convert currencies at rates as low as 0.1% above mid-market rates with full transparency and no hidden costs.

Privacy focused

Move funds on a private network with SOC compliant practices* to safeguard your data while maintaining full compliance.

Treasury & workflow automation

Approve, comment, and track transactions in real-time, generate invoices from PDFs, create corporate cards, and sync with accounting platforms like Quickbooks.

Yield on balances

Earn 4%+ yield on all balances with deposits backed 1:1 by U.S. treasury reserves, managed by BlackRock.

Scale Internationally

Let’s talk about your global financing setup

See how Specie can replace slow, fragmented trade finance workflows with a single account built for global businesses.

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© 2026 Untappd Labs Inc.

DBA “Specie.” Specie is not a bank and does not hold deposits. Payment services are provided through our regulated ramping partners. All transactions are subject to applicable laws, regulations, and compliance requirements, including KYC, AML, and sanctions regulations.

*We are committed to the highest industry standards for data security and privacy. Our platform is built on SOC 2-compliant infrastructure, and we are currently pursuing our own SOC 2 Type 1 attestation.

By using the Specie platform, you agree to our Terms of Service and Privacy Policy.

Benefits

Process

Features

Quote

Blogs

By using the Specie platform, you agree to our Terms of Service and Privacy Policy.

Benefits

Process

Features

Quote

Blogs

By using the Specie platform, you agree to our Terms of Service and Privacy Policy.