Bank The World
PRETpayments builds U.S. banking infrastructure for global fintechs, MSBs, wallet platforms, stablecoin companies, and financial businesses that need to launch, operate, and scale with bank-ready controls.
We connect approved programs into sponsor-bank, fintech, liquidity, compliance, and settlement infrastructure through one orchestration layer.
The result is a faster path to U.S. banking access, account issuance, program sponsorship, compliant money movement, stablecoin workflows, and bank-visible operations.
Why PRET Exists
The world does not need another payment processor.
It needs a better way for financial businesses to become bankable.
Global fintechs can build products, acquire users, and move into new markets quickly. But entering the U.S. banking system is still slow, fragmented, and expensive. Companies run into the same barriers again and again: sponsor-bank review, licensing questions, account structures, compliance expectations, liquidity, reporting, and operational controls.
PRET was created to solve that infrastructure gap.
We help approved programs access the banking, sponsorship, compliance, and settlement framework they need without building every bank relationship, workflow, policy, and integration from scratch.
What PRET Does
PRET is the orchestration layer between sponsor banks, customer programs, payment vendors, liquidity providers, compliance partners, and end customers.
Our job is to keep the bank informed, the program controlled, and the customer moving.
PRET supports:
Level 1 BaaS
Named accounts, customer programs, account issuance, sub-program structures, ledgering, reporting, and funds movement.
Bank Sponsorship
Sponsor-bank and fintech partner pathways for approved programs entering or expanding in the U.S. market.
Account Infrastructure
Business accounts, individual accounts, non-resident account use cases, USD account issuance, virtual or programmatic accounts, and multi-entity account structures.
Stablecoins & Wallets
Stablecoin wallets, on/off ramps, USD accounts, liquidity, settlement, and digital-asset workflows connected to real banking infrastructure.
Compliance & Bank Visibility
KYC/KYB, AML/BSA workflows, sanctions screening, transaction monitoring, RFI handling, reporting, audit trails, and program-level controls.
Settlement & Treasury
Pay-ins, payouts, FX, liquidity, stored balances, treasury movement, and domestic or global settlement workflows.
This is the current PRET lane: not card acquiring, not checkout, not a generic PSP. The ICP work points toward companies with payment, wallet, treasury, settlement, or sponsor-bank-ready infrastructure needs as high-fit targets. Stablecoin coverage also points to stablecoin infrastructure, cross-border flows, orchestration, treasury, and settlement as core PRET-relevant use cases.
Built for Bank Visibility
Banks do not just need volume.
They need visibility.
Many infrastructure models push too much activity under one opaque primary program. That creates concentration risk, weak oversight, and fragile banking relationships.
PRET was built to bring the right controls closer to the bank.
We help structure approved programs so banks can see the customer, the program, the account issuer, the transaction activity, the compliance record, and the reporting framework. Sponsor banks stay in control. Customers get a clearer path to launch.
That is the difference: PRET helps financial businesses become easier to approve, monitor, and support.
The overview deck describes PRET’s structure as a bank-visible hierarchy with controlled sub-programs where sponsor banks approve, restrict, monitor, and govern regulated banking services.
Who PRET Is Built For
PRET is built for companies that need more than a bank account and more than a payment vendor.
We serve approved:
Fintechs building account, wallet, payment, or embedded-finance products.
MSBs and money-transfer companies that need U.S. banking access, account structures, remittance funding, payout support, and compliance-ready operations.
Wallet platforms that need USD accounts, user-level structures, stored balances, funding flows, and transaction visibility.
Stablecoin companies that need banking rails, on/off ramps, settlement, liquidity, and bankable operating models.
Cross-border platforms that need U.S. access, FX, treasury, pay-ins, payouts, and local settlement.
Banks and fintech partners that need an orchestration layer for customers, sub-programs, controls, reporting, and embedded banking capabilities.
PRET is not trying to be the front-end brand for every transaction. We are the infrastructure layer that helps financial programs operate in a way banks can understand.
The PRET Difference
Bank-visible by design
PRET helps approved programs operate with clearer sponsor-bank visibility, reporting, controls, and oversight.
Built around sponsorship
We structure programs around the realities of sponsor-bank approval, compliance expectations, and regulated banking access.
Modular infrastructure
Customers can start with Level 1 BaaS, bank sponsorship, account issuance, stablecoins, wallets, ramps, settlement, or treasury — then expand as the program grows.
U.S. access for global companies
PRET helps non-U.S. fintechs and global financial businesses access U.S. banking infrastructure without building every bank and compliance integration themselves.
One operating layer
Instead of stitching together banks, account providers, compliance vendors, liquidity partners, wallet infrastructure, settlement rails, and reporting tools alone, customers can build through PRET.
Our Mission
PRET exists to make global financial programs bankable.
We believe the next generation of fintech, wallet, stablecoin, and cross-border businesses will be built globally — but they will still need credible access to the U.S. banking system.
PRET gives those companies a path to launch with the structure banks expect: visibility, controls, reporting, sponsorship, account infrastructure, and compliant settlement.
Ready to Bank the World?
Build your U.S. banking, sponsorship, account, stablecoin, and settlement infrastructure with PRET.