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Shield

Miami, US · 24 employees on LinkedIn · 7 known investors

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1,859 people in our graph share verified history with the Shield team — schools, employers, funds. One of them is your warm intro.

Ken Chenaultunlockedknows Luis Carchi · together at Facebook (overlapped)
×3knows the team · via McKinsey & Company
knows the team · via Princeton University
×5knows the team · via Y Combinator
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Shield provides US bank accounts, stablecoin payment infrastructure, and business credit products for international wholesale and distribution businesses. The platform enables compliant USDT payments that settle in USD and offers US routing numbers without requiring a US address.

Also known as getshield.xyz · Shield

Founders & leadership

LCLuis Carchi
Luis CarchiinCo-Founder & CTOLuis Carchi is co-founder and CTO of Shield, a fintech platform providing cross-border payment infrastructure using stablecoins for businesses in the U.S., Latin America, and Asia. He previously worked on product for Facebook's Messenger and Instagram teams and studied at Princeton.
EUEmmanuel Udotong
Emmanuel UdotonginCo-founder/CEOPreviously, he advised financial institutions on risk and controls at McKinsey and co-founded a Y Combinator-backed supply chain company.

Investors · 7

Company profile

researched Aug 2026

Shield is a financial services provider targeting international wholesale and distribution businesses. Its platform is organized around three product lines: US bank accounts with real routing and account numbers issued without a US address or branch visit; compliant stablecoin payments in which funds leave as USDT and arrive as USD; and business credit cards underwritten on company revenue rather than personal credit scores.

The banking product supports wire transfers, ACH payments and multi-currency flows from a single interface, with accounts described as named and FDIC insured and approval within 24 hours of application. The payments product advertises same-day settlement, no FX spread and coverage of more than 150 countries for supplier payments. Credit cards are offered in virtual and physical form with five-to-seven-figure limits, same-day decisions, cashback and no impact on personal credit scores.

The company positions itself as a registered money services business with FinCEN and cites $1M of insurance, and states that members of its team hold certifications associated with ACFCS, NW3C, NACHA and ACFE. Onboarding is presented as a three-step online process: application, document upload and compliance review, then issuance of US account details.

Business model

Shield supplies banking, cross-border stablecoin payment and credit products directly to business customers, replacing correspondent-bank wire flows with USDT transfers that settle in USD.

Traction

The company reports more than $500 million in transactions processed and service in more than 120 countries, and states it is backed by venture capital investors in fintech.

Full profile — market position, technology, go-to-market, geography

Market position

Shield operates in cross-border business banking and stablecoin payments, serving international trade businesses that are underserved by traditional banks.

Shield contrasts itself with traditional banks by citing 30-second wires versus three-to-five-day delays, stablecoin payment support, business credit approval based on revenue rather than personal credit, account issuance without a US address, and FinCEN-registered MSB status.

Technology

The platform routes business payments as USDT stablecoin transfers that are converted to USD for same-day settlement, and issues US routing and account numbers plus virtual and physical cards through a single online account interface.

Go-to-market

Direct online self-service application with a compliance review step, supported by booked 30-minute sales calls with company representatives during weekday hours.

International wholesale and distribution businesses that transact cross-border and have difficulty obtaining or retaining US banking and business credit.

Geography

Headquartered in Miami, United States, with accounts and payment coverage described as spanning 120 to 150 countries.

Compiled by commissioned research from 1 cited public sources — announcements, filings, and press listed under research sources below.

Key figures

latest reported
Account insurance coverageJan 2025$1M
Countries servedJan 2025120
Cumulative transaction volumeJan 2025$500M+ in transactions
HeadcountAug 202624

Company-reported or press-reported figures, each dated to when it was claimed — not independently audited.

Competitors · 8

by search overlap
Coinbase18 shared keywordsCoinbase is a cryptocurrency exchange platform that offers trading, custody, and financial services for cryptocurrencies, stocks, derivatives, and prediction markets to consumers, institutions, and developers. The company operates a full-stack infrastructure including secure custody, liquidity services, stablecoin infrastructure, and global settlement rails.
Crypto17 shared keywordsCrypto.com operates a cryptocurrency exchange and digital asset platform serving 150 million users across 90 countries, with a mission to accelerate global adoption of cryptocurrency.
Bitget17 shared keywordsBitget is a cryptocurrency exchange offering spot trading, futures trading, and copy trading services for users worldwide. The platform provides a secure investment solution for crypto trading with regulatory compliance across multiple jurisdictions.
Shieldfc16 shared keywordsShield provides employee monitoring and communications surveillance software for financial services and enterprise customers, tracking employee activity across continents and daily communications.
BitPay12 shared keywordsBitPay provides enterprise-grade tools for cryptocurrency acceptance and spending, enabling businesses and individuals to send, receive, and store digital currencies. The platform serves as a payment technology provider built on blockchain for global financial transactions.
Jetlore12 shared keywordsJetlore was a Palo Alto AI startup that turned unstructured retail product data into structured attributes so merchants could personalise what each shopper saw. Founded by Stanford researchers, it raised from Sierra Ventures, Alsop Louie Partners, Fenox Venture Capital, BRM Capital and Mercury Fund, and PayPal acquired it in 2018.
Paypal Corp11 shared keywordsPayPal Holdings is a Nasdaq-listed digital payments company operating online checkout, Venmo, BNPL and merchant services worldwide.
Shield AI11 shared keywordsShield AI develops AI pilot systems for military applications including aircraft, drones, ships, satellites, and submarines. The company serves the U.S. Department of Defense and allied nations.

Companies competing with Shield for the same Google search keywords, organic and paid, via search-intersection analysis.

Research sources · 1

primary sources listed

1 public sources were cited for this profile; the first-party ones are listed here.

Frequently asked questions

What does Shield do?
Shield offers US bank accounts, stablecoin payments and business credit cards for international wholesalers and distributors.
Who founded Shield?
Shield was founded by Luis Carchi, Emmanuel Udotong.
Who are Shield's investors?
Shield's investors include 2 Punks Capital, Bollinger Investment Group, Eterna Capital, Giant Ventures Global Llp, Metamatic Group, Triton Capital, Very Serious Ventures.
Where is Shield headquartered?
Shield is headquartered in Miami, US.