You're losing 2 to 3% on every card payment. And the cash in your bank? It's earning returns for everyone except you. That changes now.
Every time a customer pays with a card, you lose 2 to 3%. On $1,000 a day in sales, that's $600 to $900 a month. Gone. Then the money takes 3 to 5 business days to reach your account. Your money, sitting in someone else's pocket, earning them interest. What if you kept all of it?
You raised money. You're spending it carefully. But the cash you're not using right now? Your bank puts it to work, earns returns, and pays you almost nothing. On $500,000 idle, the gap between what your bank pays and what's possible could be tens of thousands a year. What if that money worked for you instead?
Payment Fees Simulator. Idle cash Simulator
These projections are illustrative. Actual returns may be higher or lower. Past performance does not guarantee future results.
Two wins from one change.
Every $100 in card sales costs you $2 to $3 in fees. With diBoaS, it costs $0. A coffee shop doing $1,000/day? That's $10,000+ a year back.
The savings are yours whether you invest or not. But if you choose to put them to work it changes from cost cut to a possible new revenue line.
The savings are certain. The growth is not. That's the honest math.
We show you both sides, the opportunities and the risks, always.
Example based on $1,000/day in card sales at 3% processing fee, with savings invested at a range of 4% to 10% annual return. Projected returns are illustrative. Actual results may vary.
Link your business account. Two-minute setup. No technical integration needed. No developer. No downtime. You do it during your morning coffee.
Your customers pay. You keep 100%. Instantly.
Contractors, suppliers, freelancers. Worldwide. No fees. Real-time
Market intelligence for business owners. No $500-an-hour advisor needed.
Why build diBoaS
Why build diBoaS
My grandmother saved her whole life. Half of everything she earned. Did everything right.
It still wasn't enough.
The bank earned returns with her savings and gave her almost nothing back.
I've seen the same thing happen with businesses. Coffee shops losing $10,000 a year to card fees. Startups with half a million in the bank earning less than $200 a month in interest.
The system wasn't built for people like her. It wasn't built for businesses like yours either.
But now? Technology made it possible to cut out the middlemen. I just had to build the door.
I named it after her.
Bar, Founder
Still reading? Good. Let's make sure this actually fits.
No hidden fees. No minimum balances. No monthly charges. Here's every fee, on the table.
| Action | diBoaS | Typical Providers | Example | |
|---|---|---|---|---|
| Business Account | Free forever | $10 to $50/month | Your account: $0. Always. | |
| Receive Payments | FREE | 2 to 3% (card processors) | Receive $1,000: costs $0. Competitors charge $20 to $30. | |
| Send / Pay | FREE | $1.50 to $50 (wires) | Pay a contractor $500: $0 | |
| Add Money | 0.48% (min $0.25, max $25) | 0 to 1.5% | Add $10,000: costs $48 | |
| Invest / Grow | FREE | 0.5 to 2% (advisors, platforms) | Invest $10,000: $0. Free to start. | |
| Sell / Close | 0.39% (min $0.25, max $25) | 0.5 to 2% | Sell $10,000: costs $39 | |
| Swap | FREE | 0.5 to 2% spread | Swap $10,000: $0 | |
| Cash Out | 0.48% (min $0.25, max $25) | 1 to 3% plus delays | Cash out $10,000: costs $48 |
*diBoaS fee shown. Third-party network fees may apply (typically less than $0.01).
Receive $1,000 in payments: you keep $1,000 in your diBoaS account. Cash out to your bank: $995.20 (after 0.48% cash-out fee). Still cheaper than the $970 to $980 a card processor leaves you.
Your business accepts card payments and you're tired of the 2 to 3% cut. Your company has cash sitting idle earning almost nothing.
You need government deposit insurance above everything else. You have zero tolerance for any risk.
I grew up watching my grandmother Adelaide navigate a financial system that wasn't designed for her. She deserved better tools. So does every business owner like you.
diBoaS is being established in Berlin, Germany, building for businesses in the US, EU, and Brazil first. I've spent 20+ years working in Products and IT across Brazil, the US, Japan, and Germany. Now I'm building the financial tool I wish every small business and startup had.
Let's connect.
We're starting small so we can take care of every business who joins.
0 founding businesses
0 countries
Open access and fair opportunities. Let's talk.
We charge small fees when money moves. Free when you receive payments. Free when you invest. 0.39% when you sell or close a position. 0.48% when you cash out.
If you receive $10,000 in payments, we keep $0. If you invest $10,000, we keep $0. If you sell $10,000, we keep $39. If you earn nothing and send nothing, we earn nothing.
No hidden fees. No minimum balances. No monthly charges. No catch.
Both. If you're a coffee shop losing 3% on every card payment, we help you keep that money. If you're a startup with $500,000 idle in the bank earning 0.5%, we help it earn more.
The tools are the same. The math just looks different.
Your money is secured by you. Your wallet, your keys. No one at diBoaS can access your funds without your authorization.
That said, this isn't a bank account. Your funds work through new technology. The value can fluctuate, and you could lose some or all of your investment. There is no deposit insurance.
We show you both sides, the opportunities and the risks, always.
Yes. No lock-ups. You set the floor: "always keep $50,000 liquid." We only deploy what's above that.
Need cash? One tap. We process it instantly. Bank transfer times may vary. No penalties. No questions.
Traditional wire transfers go through correspondent banks. Your bank, their bank, maybe another bank, then the recipient's bank. Each step takes time and charges fees.
With diBoaS, payments go direct. Your wallet to their wallet. Done.
Your freelancer in Buenos Aires gets paid in seconds, at the real exchange rate, for free. Not $25 to $50 and 3 business days.
We built diBoaS for real businesses with real compliance needs.
Monthly statements formatted for your accounting software. Transaction history with full audit trail. Tax documentation at year end. Board-ready reports your CFO will actually understand.
We know you're going to get audited eventually. We make sure you're ready.
Your money is placed into established financial systems that have operated for 3+ years, survived multiple market crashes, and are independently audited for security.
Full details, including names, track records, and our selection criteria, are published on our Strategies page. No signup required.
We chose these systems because they're transparent, battle-tested, and you can see exactly where your funds are at any time.
This is the whole point of how we're built.
Traditional finance: you deposit money, it becomes the bank's money, and they owe you a balance.
diBoaS: your money stays in your own wallet. We provide the software that helps you deploy it to earning systems. But we never have access to move it ourselves.
If diBoaS goes bankrupt, your money is still yours. No one at diBoaS can move your funds. Every transaction requires your approval.
More control for you. Less risk from us.
Let's be honest.
The systems your money goes into are built on code. Code can have vulnerabilities. We reduce this by only using systems with significant total value secured, multiple independent security audits, years of track record through market events, and by spreading your money across multiple independent systems.
Zero risk? No. Nothing is, including your bank.
The real question: are better returns worth a different risk profile? For some businesses, yes. For others, no. Both are valid.
We're a pre-launch platform. Our strategies are stress-tested against historical crashes and real-world scenarios, and we use audited, established protocols. As we grow, we plan to pursue independent third-party audits.
For full details on the systems and technology behind each strategy, visit our Strategies and Protocols pages.
