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IRBC

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By Seeking Sigma, Inc.

IRBC is a financial technology platform for global businesses that combines local USD, EUR, GBP and MXN accounts, Visa credit cards, cross-border payments, invoicing, QuickBooks accounting sync and treasury yield in one place.

irbc.com ↗Structured profile ↗

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Snapshot

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What it does
  • IRBC is a financial technology platform for global businesses that combines local USD, EUR, GBP and MXN accounts, Visa credit cards, cross-border payments, invoicing, QuickBooks accounting sync and treasury yield in one place.
More detail
  • It is not an FDIC-insured bank: banking services are provided through Bridge, a Stripe company, and deposits are held at Lead Bank, Member FDIC.
Best for
  • Global startups and small businesses that need multi-currency local accounts, team cards, cross-border payouts and treasury yield from one platform.
More detail
  • Founders and finance teams whose operations span several currencies and want accounting sync built in.
Pricing
  • Published transaction fees: next-day ACH $0.50, same-day ACH $1.00, domestic wire $10.00, SEPA €0.30, Faster Payments £0.50, SPEI $0.75, and a 0.30% foreign transaction fee per currency on top of mid-market for EUR, GBP and MXN.
More detail
  • No subscription, platform or account-management fee is published, and t
Main limitation
  • Businesses based in restricted countries or in New York or Texas, which are not currently supported.
More detail
  • Companies in prohibited or case-by-case high-risk industries such as money transmission, crypto exchanges or gambling should expect onboarding to be refused or heavily reviewed.
Record
Static profile
Reviewed
Evidence
Public web research

About

  • IRBC is a financial technology platform for global businesses that combines local USD, EUR, GBP and MXN accounts, Visa credit cards, cross-border payments, invoicing, QuickBooks accounting sync and treasury yield in one place.
  • It is not an FDIC-insured bank: banking services are provided through Bridge, a Stripe company, and deposits are held at Lead Bank, Member FDIC.

What it helps with

Capabilities

A practical view of what is available and where limitations apply.

OfferingAvailableDetail
Multi-currency local accounts YesLocal USD, EUR, GBP and MXN accounts advertised with zero minimums.
Visa credit cards YesPhysical and virtual cards with team spend controls; card fees and credit terms are not published.
Cross-border payments YesLocal-style payouts over ACH, domestic USD wire, SEPA, Faster Payments and SPEI; no non-USD SWIFT.
Invoicing YesCustomer payments are received directly into the IRBC account.
QuickBooks accounting sync YesTransactions are categorized and synced automatically to QuickBooks.
Treasury yield LimitedAdvertised as up to 2% yearly yield; the underlying provider and the spread IRBC keeps are undisclosed.
Security controls YesAES-256 at rest, TLS 1.3 in transit, MFA, biometrics, role-based access, 24/7 monitoring, third-party audits and a 72-hour incident notification guarantee.
FDIC insurance LimitedIRBC is not a bank; pass-through insurance comes from deposits at Lead Bank and certain conditions must be met.
AI agent and CLI access UnknownMentioned in company marketing and directory profiles; no official documentation of scope or limits was found.

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Last reviewed
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irbc.com
Technical profile details
Record ID87c4d612-15e0-400b-a737-b2faf4d0b45eCanonical URLhttps://profiles.scribble.network/listing/irbc-87c4d612