One Platform.
Four Jurisdictions.
Every Currency You Need.
Multi-currency accounts in the US, UK, EU, and Canada — each connected to local clearing networks for faster settlement and lower costs. The fintech backbone that powers every dollar, pound, euro, and dollar that moves through Metaprise.
Construction Goes Global. Banking Hasn't Kept Up.
Contractors operate across borders — US-based GCs managing Canadian subs, European suppliers shipping materials, UK joint ventures. But traditional banks charge 3-5 days for international wires, take hefty FX spreads, and can't isolate funds by project. Generic fintech doesn't understand retainage or construction compliance.
International wires through correspondent banks take 3-5 business days and rack up intermediary fees at every hop. Subs wait. Projects stall.
Banks mark up FX spreads by 2-4% on every cross-border payment. On a $500K subcontract, that's $10K-20K lost to currency conversion alone.
Operating in 4 countries means 4 banks, 4 portals, 4 sets of fees, and zero consolidated visibility. Reconciliation is a monthly nightmare.
No bank understands retainage, project-level fund isolation, conditional payment gates, or construction compliance requirements. You're shoehorning construction into generic banking.
Global Rails. Local Speed. One Platform.
Metaprise connects directly to local clearing networks in each jurisdiction — so your payments move at local speed with local fees, not international wire pricing. All managed from a single dashboard.
Fedwire
Virtual Card
BACS
CHAPS
SEPA Direct Debit
SEPA Instant
Interac e-Transfer
Wire (LVTS)
Not a Bank Account. A Global Financial Infrastructure.
Metaprise Banking Infrastructure combines multi-currency accounts, local clearing networks, project-level fund isolation, and construction-specific compliance into a single regulated platform — replacing the patchwork of banks, FX brokers, and payment processors that construction companies wrestle with today.
Native Accounts in Every Jurisdiction You Operate
Open USD, GBP, EUR, and CAD accounts from a single platform — each with local account numbers, local routing details, and local deposit insurance. Receive payments in local currency, hold balances, and pay out domestically — without touching a correspondent bank.
True Local Accounts
Not virtual IBANs routed through intermediaries. Real local account numbers — US routing/account, UK sort code/account, EU IBAN, CA institution/transit — so you receive funds like a local entity.
Deposit Protected
FDIC-insured in the US, FSCS-protected in the UK, deposit guarantee schemes in EU, CDIC-covered in Canada. Your funds carry the same protections as a traditional bank.
Unified Dashboard
All currencies, all balances, all transactions in one view. No more logging into four different bank portals. See your global cash position alongside your project portfolio.
Global Account Overview
Pay Locally. Settle Locally. No Correspondent Banks.
Every jurisdiction has faster, cheaper domestic payment rails. Metaprise connects directly to each — so your GBP payment to a UK sub goes through Faster Payments (seconds, near-zero cost), not a 3-day SWIFT wire with $40 in intermediary fees.
Same-Day or Instant Settlement
Same-Day ACH in the US, Faster Payments in seconds in the UK, SEPA Instant in the EU, Interac e-Transfer in Canada. Subs get paid when conditions are met — not days later.
Eliminate Intermediary Fees
No SWIFT correspondent chain. No lifting fees, no intermediary deductions, no "charges may apply." The amount you send is the amount that arrives.
Smart Rail Selection
Metaprise auto-selects the optimal rail based on amount, urgency, and cost. Batch of small UK payments? BACS. Urgent $1M transfer? CHAPS. You set the rules — the system picks the rail.
SmartFlow Integration
Local rails are the execution layer for SmartFlow Payments. Conditional gates, lien waiver checks, and approval workflows run first — then local rails execute at native speed.
Local Rails vs. SWIFT Wire
Move Money Across Borders at Interbank Rates
When a US-based GC needs to pay a Canadian sub, Metaprise converts USD → CAD at competitive interbank rates and delivers via local EFT — not an international wire. The sub receives CAD in their local account, same day, at a fraction of the cost.
Transparent FX
See the mid-market rate and the exact spread before you confirm. No hidden markups, no surprise deductions. The rate you see is the rate you get.
Rate Locking
Lock in exchange rates for upcoming payments to eliminate currency risk. Schedule a CAD payment for next month at today's rate — budget certainty for project-based payments.
Auto-Convert on Receive
Receive EUR from a European client and auto-convert to USD at your preferred rate threshold. Set rules once — the system manages currency flows automatically.
Multi-Currency Invoicing
Issue invoices in the recipient's currency. AR/AP Automation tracks both the original currency amount and the home currency equivalent for seamless accounting.
Cross-Border Payment — Live
Project-Level Isolation. Multi-Currency. One Account.
Virtual ledger accounts let you isolate funds by project, entity, and purpose — without opening a separate bank account for each. Retainage funds sit in custodial sub-accounts, operating cash stays separate, and everything rolls up to a consolidated view across all currencies.
Hierarchical Ledger
Company → Entity → Project → Purpose (Operating / Retainage / Escrow). Unlimited depth, unlimited sub-accounts, all logically isolated with their own balance and transaction history.
Retainage Custody
Retainage funds held in dedicated custodial sub-accounts with deposit protection. Compliant with state trust accounting requirements where applicable.
Multi-Currency Sub-Accounts
A Canadian project holds CAD operating and CAD retainage. A UK project holds GBP. All roll up to a single consolidated view in your home currency.
Virtual Ledger — Account Hierarchy
Banking Infrastructure That Grows With You
The same regulated infrastructure that powers accounts and payments also enables financing, yield, and payment guarantees — turning your banking backbone into a growth engine.
Subs shouldn't wait 90+ days for retainage to release. Metaprise can advance funds against verified retainage balances — because we hold the data on contract terms, milestone status, and GC credit quality that traditional lenders don't have.
Millions in retainage and operating reserves sit idle in accounts. Metaprise can offer interest-bearing deposit accounts — turning your dormant cash into working capital while maintaining full liquidity and deposit protection.
GCs pre-fund or commit irrevocable payment instructions. When SmartFlow conditions are met, funds release automatically to the sub. Payment certainty that eliminates the #1 source of subcontractor anxiety — and strengthens your supplier relationships.
Metaprise vs. Traditional Banking
See what changes when your banking infrastructure is built for construction and connected to your financial platform.
| Capability | Metaprise | Traditional Bank | Generic Fintech |
|---|---|---|---|
| Multi-Currency Accounts | 4 currencies, 1 platform | Separate banks per country | Virtual IBANs only |
| Local Clearing Rails | Native in all 4 markets | Domestic only | Varies |
| Cross-Border FX | 0.3-0.5% spread | 2-4% markup | 0.5-1.5% |
| Project-Level Isolation | Virtual ledger | Separate accounts | Not supported |
| Retainage Custody | Built-in | No concept | No concept |
| Platform Integration | All modules | Standalone | API only |
Replace Four Banks With One Platform
See how Metaprise Banking Infrastructure gives you multi-currency accounts, local clearing networks, project-level fund isolation, and competitive cross-border FX — all from a single regulated platform. 30-minute demo.
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