Product

One platform for storing money, moving it, and controlling spend.

Vaultro brings the financial tools a growing business actually needs into a single, modern product — financial accounts, payments, commercial cards, and cash management — designed to run on Stripe Treasury and Stripe Issuing.

Financial accounts

Store and organize funds with multiple sub-accounts. Funds held at Stripe's FDIC-member partner bank.

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Payments & transfers

Send and receive ACH and domestic wires, and move money between accounts with approvals.

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Commercial cards

Issue virtual and physical Vaultro Corporate Cards (Visa® Commercial cards) with granular controls, via Stripe Issuing.

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Cash management

Create reserves, automate transfers, and see your true cash position at a glance.

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Invoicing & bill pay

Send branded invoices, collect payments, and automate accounts payable with approvals.

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Developer API

Programmatic access to accounts, payments, and cards, built on Stripe infrastructure.

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Financial accounts

A financial account that opens in minutes

Apply online, get verified, and start moving money — no branches and no paperwork marathon. At launch, funds in your Vaultro account will be held at Stripe's FDIC-member partner bank, and USD balances can be eligible for FDIC pass-through insurance (see disclosures below).

  • Transparent pricing — no hidden fees
  • Multiple sub-accounts to separate taxes, payroll & runway
  • Account & routing details for receiving payments and payouts
  • Funds held at Stripe's FDIC-member partner bank, via Stripe Treasury
Accounts4 sub-accounts
Operating$312,400.00
Payroll$96,200.00
Taxes reserve$58,900.00
Runway$14,690.44
Payments & transfers

Move money with confidence and control

Pay vendors, run payroll, and reconcile — all from one place. Payments support approval rules and leave a complete audit trail, so your finance team stays in control as you grow.

  • ACH and domestic wires
  • Instant transfers between your Vaultro accounts
  • Scheduled & recurring payments, plus batch payouts
  • Multi-approver workflows with a full audit log
Payments queue2 need approval
ACH · Vendor — Northwind$12,400.00
Wire · Acme Corp$92,000.00
Payroll · GustoScheduled
Commercial cards

Cards for every team, with controls built in

Issue virtual and physical Vaultro Corporate Cards — Visa® Commercial cards funded by your Vaultro balance, so your team spends only what you have. Set the rules up front and give your team the freedom to spend within them. Cards will be issued through Stripe Issuing by Stripe's partner issuing bank, for commercial use only.

  • Per-card and per-merchant spend limits
  • Category and merchant-level controls
  • Instant freeze, unfreeze, and re-issue
  • Real-time notifications and automated receipt capture
Team cards8 active
MK Marketing • virtual$5,000 / mo
EN Engineering • virtual$12,000 / mo
OP Operations • physical$3,500 / mo
Cash management

Know exactly where your money stands

Organize funds the way your business actually works. Set aside reserves for taxes and payroll, automate transfers on a schedule, and get a clear view of runway and burn — without exporting anything to a spreadsheet.

  • Reserves and sub-accounts for every purpose
  • Rules-based automated transfers between accounts
  • Runway, burn, and cash-flow insights in real time

Vaultro financial accounts are non-interest-bearing. Balances do not earn yield.

Cash positionLive
Total cash$482,190.44
Monthly burn$113,490
Runway~ 4.2 months
Invoicing & bill pay

Get paid, and pay others, faster

Create and send branded invoices, collect payments online, and automate your accounts payable with approval workflows. Two-way sync keeps QuickBooks, Xero, and NetSuite up to date automatically.

Developer API

Embed finance into your own product

Vaultro's API — built on Stripe — gives you programmatic access to accounts, payments, and cards, with webhooks for real-time reconciliation. Build embedded finance flows without becoming a bank yourself.

Everything above is coming in 2027

Join the waitlist for early beta access as we roll out each part of the platform.

Join the waitlist