StructureFlow

Let your money flow.

Multiple currencies. Around the globe. 24/7.

Built for the people whose money already crosses borders — family offices, advisors, trusts, and operating businesses.

Request access See what it does

What it does

Three things, done properly.

01
Accounts in more than one currency
Hold and send US dollars and euros from accounts with their own details, in your name. Not a wallet inside someone else's pool — an account identified to you.
02
Transfers that land in minutes
Send across a border and have it arrive while you are still at your desk. No two-day wait, no wondering which institution is holding it.
03
The amount you see is the amount that lands
The rate and the fee are both on screen before you confirm. Nothing is quietly taken along the way by a bank you never chose.

Why this exists

~8%

Taken by a bank

What one family business paid to send its own earnings home — part disclosed fee, most of it buried in the exchange rate.

65%

Expect the dollar to weaken

Of family offices surveyed, the share expecting confidence in the US dollar's reserve status to decline.

UBS Global Family Office Report 2026

30%

Are spreading currency risk

The share actively increasing currency diversification. Another 21% hold, or are considering holding, cash in several currencies.

UBS Global Family Office Report 2026

1–5 days

A bank transfer abroad

How long money can sit in transit between two institutions, visible to neither sender nor recipient.

24/7

When money moves here

Weekends, nights, and public holidays included. Arrival measured in minutes.

Who it’s for

Not everything applies to everyone.

An individual moving between two countries and a family office running six entities need different things, and get asked for different documents. Pick yours and see exactly what you get — and exactly what we will ask you for.

You live in one country and your money lives in another — or you are moving between the two.

Your bank charges you twice: once in the fee it discloses, and again in the exchange rate it does not. Transfers land days later, and only on weekdays.

What applies to you

Accounts in more than one currency
At launch
Hold and send US dollars and euros from accounts with their own details, in your name.
Movement that ignores banking hours
At launch
Send on a Saturday, at midnight, or on a public holiday. Arrival is measured in minutes, not business days.
The amount you see is the amount that lands
At launch
The rate and the fee are both shown before you confirm. Nothing is deducted along the way by a bank you never chose.
Put an idle balance to work
In development
Direct part of your balance into a lending vault that meets published criteria. You keep custody, you choose each allocation, and we recommend nothing. Rates are variable and you could lose money.
Statements and year-end documents
In development
Monthly statements and the annual documents your accountant will ask for.
A card against your balance
Roadmap
Spend directly from your balance anywhere cards are accepted, without moving money first.

What verification will ask for

Government-issued photo ID and a selfie check
Date of birth and residential address
Proof of address dated within the last three months
Where the money you are sending came from

Worth knowing

Availability depends on where you are resident. Some countries and some US states are outside our current footprint.

Always on

Your money doesn’t keep banking hours.

Send on a Saturday. Send at midnight. Send on a public holiday.

It arrives in minutes, not days — and the amount you see is the amount that lands. No deduction along the way by an institution you never chose, and no discovering the real cost a week later.

The plumbing is our problem.

Since people ask: the plumbing is regulated, fully-reserved dollar-backed stablecoins, settling continuously instead of queueing behind a bank calendar. If that means something to you, it’s the reason the timing works — and the full detail is here. If it doesn’t, you never have to think about it again.

One place to see every balance

Each currency, each entity, each account — on one screen, without logging into four institutions to assemble the picture.

One set of rules for who can send what

Decide who may move money, and above what amount a second person has to agree. The rules travel with the account.

One export your accountant already reads

Every movement carries its reference, the rate applied, and the fee charged. Nothing gets reconstructed at year end.

Earn

Idle balances don’t have to sit still.

Direct part of your balance into a lending vault that meets published criteria. You keep custody the whole time, you initiate every allocation yourself, and we recommend nothing.

How Earn works

You hold it: Funds stay in a smart account you control. We are not a counterparty to your position.
You direct it: Nothing is swept automatically. Every allocation and withdrawal is yours to initiate.
We don't advise: Options meet published criteria. No ranking, no badges, nothing preselected.

Where the return comes from: Overcollateralized borrowers paying variable interest on a lending market, through a vault curated by a named risk manager. There is no subsidy from us and no promotional rate. Rates are variable, change continuously, and are not guaranteed. Past rates say nothing about future rates. You could lose money, including the full amount you allocate. These are not deposits, they are not insured, and no party guarantees your balance.

Your money

Where your money actually sits.

If you are the person who has to answer this internally, you should not have to read a contract to find the answer.

How your money is held

An account, not a pool: Your balance sits in an account identified to you, with its own details. You are not holding a share of a commingled pot.
Separate from our own money: Customer funds are held separately from the company's own operating funds. We do not lend them out and we do not use them to run the business.
Not a bank, and we say so: StructureFlow LLC is a financial technology company, not a bank. It does not take deposits. Balances held in connection with your account are not bank deposits.
Held by a regulated partner: Balances are held in a custodial account maintained by our regulated payments partner, not by StructureFlow LLC.

Where this started

A family runs a coffee business in the United States. Every quarter they send earnings back to family abroad, and every quarter their bank took roughly eight percent of it — a little as a disclosed fee, most of it inside an exchange rate nobody ever explained to them.
They had done nothing wrong. They were not being careless. They simply had no alternative that was any better.
That is the entire origin of this company, and it is still the test every decision here gets held against.

Request access

We open accounts one conversation at a time.

Tell us the shape of your situation and we will tell you plainly whether we can help. If we cannot, we will say so rather than keep you on a list.

StructureFlow is not yet open to the public. Access is by request, and availability depends on where you are located and on the outcome of our verification checks.