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Endl lets a business collect, hold, and send money across 160+ countries at a flat 0.5% fee.
Grounded in available product and source data
A borderless business account with flat payout fees is what Endl is built around: rather than juggling separate local bank accounts, currency conversion, and per-corridor payout fees, one dashboard handles collecting, holding, and sending money internationally.
Collecting doesn't require setting up a local entity — local account details across 9+ countries and currencies (USD, EUR, GBP, BRL, MXN) let a business receive payments as if it had a presence there, with everything settling into one unified account instead of scattered local accounts. On the send side, mass payouts reach 160+ countries with same-day arrival on supported corridors, routed through local rails, SWIFT, or stablecoin depending on what's fastest or cheapest for a given destination, with the site emphasizing transparent FX rates over hidden markups.
For money that isn't moving immediately, the site states idle funds can sit in regulated stablecoins like USDC or USDT rather than a low-interest holding account, converting at the prevailing rate whenever it's actually needed — stablecoin availability may change, so it's worth confirming current terms directly before relying on it. Cards round out the spending side — unlimited virtual and physical cards with granular spend limits and category locks, fundable from either fiat or stablecoin balances, usable anywhere Visa is accepted.
Pricing is deliberately simple: a flat 0.5% on every payout, with the site stating directly there are no plans, no minimums, and nothing hidden in the rate — a contrast to the tiered, opaque fee structures common in cross-border payments. The site cites 500+ businesses on the platform across 40+ countries, and backs security claims with specifics rather than vague language: regulated partners, AML/KYC compliance on every transaction, and verification handled through named partners Sumsub and Comply Advantage.
That's exactly the scenario this is built to skip — receiving through local account details doesn't depend on having a registered entity in the client's country first.
No fixed cost to worry about — since there's no plan or minimum, cost scales purely with actual payout volume rather than a baseline charge for simply having an account.
The framing on the site points toward parking rather than trading — it's positioned as an alternative place for funds not immediately needed, not a trading feature.
Both — issued cards can be funded with either fiat or stablecoins (USDT/USDC), and work anywhere Visa is accepted regardless of which balance funds them.
No — same-day arrival is tied to specific supported corridors, with no promise it applies universally, so a less common destination could take longer depending on which rail the payout actually routes through.