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Thrive

Built for paid media

Banking that ships at the speed of paid media.

US Tier-1 BINs, stablecoin-first funding, onboarding in days. Built for the people running $500K days on Meta, Google, and TikTok.

BIN approval
99.4%
Stablecoin in
0.5%
FX fee
0%
Onboarding
48h
20+ BINsTier-1

The bleed

Traditional banks weren't built for $50K daily spend.

Generic cards that decline at peak hour, fees that surface a month later, and onboarding measured in weeks. The marketing world stopped fitting inside a regular bank account a long time ago.

Declines at peak hour

Low-grade BINs trip risk on Meta and Google. Your launch dies at 11pm and Stripe support goes home at 5.

Hidden fees, surfaced later

3–4% FX and spreads buried in the fine print. Mystery line items on the statement. Fees you only learn about the month after.

Onboarding from another decade

Six weeks of PDFs to get a card, then they cap you at three. Try scaling a $2M month with that.

BIN advantage

0.0%approval on the platforms that pay your bills.

US Corporate Credit BINs at Tier-1 level. The accounts say yes — every launch, every geo, every spike.

US Corporate CreditTier-1 BINPCI DSS

Approved on

Meta
Google
TikTok
LinkedIn
Taboola
X
Snap
Outbrain

Crypto deposits

Crypto in. Cards out. Half a percent.

0.5% on stablecoin deposits. The rest of the market charges 4×. Same-day settlement, USDC and USDT, no chain gymnastics.

USDCUSDTT+0 settlement
Thrive
0.5%
Per deposit. Flat. Always.
Industry avg.
≈ 3%
What everyone else charges.
Savings on $5M / year
+$125,000

Onboarding

From signup to first card swipe in 48 hours.

We built it the way you'd want it. Three steps. No PDFs. No back-and-forth with a relationship manager who doesn't know what a UTM is.

Day 001 / 03

Apply

10 minutes. Company docs, a beneficial owner, your platform stack.

Day 102 / 03

Verified

Real humans, real fast. Compliance built for tier-1 markets only.

Day 203 / 03

Spending

Virtual cards live. Physical in transit. Run your first launch by lunch.

Built for marketers

Everything you'd build if you'd ever run an ad account.

/01

Unlimited cards

Issue 1 or 1,000. Per-team, per-account, per-campaign — your call.

/02

Spend caps & rules

Daily, monthly, per-merchant. Set them in seconds. Update them at scale.

/03

Real-time spend feed

Authorisations stream into your dashboard the second they fire.

/04

Virtual + physical

Virtual instantly. Physical for events, expenses, and the CFO.

/05

API + webhooks

Programmatic issuance, transactions stream, reconciliation built in.

/06

Dedicated AM

A Slack channel with a real person who's seen $500K days.

Pricing

Priced for spend at scale.

Two plans. Same Tier-1 BINs, same 0.5% stablecoin in, same transparent line items. Pay as you go, or unlock everything for $500 a month.

Free

$0per month

Pay as you go. Real rails, no commitment.

USDT / USDC deposit
0.5%
FX fee
0%
Non-US card transactions
1.0%$0.5 min
Card
$1
Same-day ACH
$1
Domestic wire
$10
FedNow / RTP
$10
SEPA
€1
Faster Payments (GBP)
£1
For operators

Pro

$500per month

For operators running real volume.

USDT / USDC deposit
0.5%
FX fee
0%
Non-US card transactions
1.0%$0.5 min
Everything else free.

USD where shown. EUR / GBP rails priced in local currency.

Waitlist

Get a card in your hand.

Tier-1 markets only. Tell us where you spend and how much — we'll get back inside one business day.

We only contact tier-1 markets. No newsletters, ever.

FAQ

Honest answers.

The questions every CFO asks before swapping out their bank.

Tier-1 markets · Now onboarding

Ship campaigns. Not paperwork.

Your media stack changed five years ago. Your bank didn't. Move on.