Small and medium sized businesses run their finances across fragmented systems, and adoption of AI amongst them has grown from 23% to 58% since 2023. Paywhere connects an institution's SMB clients to the AI tools they already use, replacing manual workarounds with governed, real-time access and a human in the loop on every payment.

Bank and credit union customers are increasingly turning to AI to answer forward-looking money questions since 55% now use AI to manage personal finances, over 500% growth in a single year. Paywhere connects the AI assistants customers already use directly to their institution, delivering real-time balances and structured data for accurate forecasting, all under the institution's own controls.

Businesses run their operations inside ERP and accounting software, but banking lives somewhere else, forcing manual portal logins and re-keying data. 36% cite lack of integration as their #1 digital-tool challenge. Paywhere embeds real-time balances and secure money movement directly into the software businesses already use, under the institution's own controls.

Over 50% of global B2B invoices are overdue, and only 23% of SMBs have fully automated bill payment. Paywhere gives AI agents secure, bank-branded access to real-time balances and payment rails, so a scheduled agent can chase invoices, stage bills, and flag cash-flow issues before they become a problem.

Corporate treasury teams need real-time visibility into their full banking book. Paywhere replaces manual processes and portal logins with direct APIs that enable instant cash movements and automated workflows.

Over 50% of global B2B invoices are overdue and 80% of companies report payment fraud due to lagging processes. Paywhere provides real-time transaction data that enables automatic receivables matching, eliminating delays and reducing fraud risk.

Corporate clients in the gig economy need same-day, on-demand payouts. Paywhere enables instant fund movement and real-time settlement across both fiat and stablecoin rails, meeting the speed that modern payroll demands.

Legacy cross-border payments are expensive, slow, and opaque. Paywhere's Stablecoin Link cuts costs by up to 80%, settles transactions in seconds, and provides real-time tracking within your existing banking platform.

Stablecoin transaction volumes now exceed the combined volumes of Visa and Mastercard. Paywhere enables banks and credit unions to accept international business payments in stablecoin, opening new fee revenue streams with fast settlements and transparent transactions.