Shield

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.