Description.
Meow Technologies Inc. is a US-based financial technology company providing business banking infrastructure for AI-native startups and global companies, founded by Brandon Arvanaghi. It offers business checking accounts through partner banks (Cross River Bank, Grasshopper Bank N.A.; Members FDIC), corporate Visa cards with merchant-category cashback rewards of up to 2.5% on AI spend, USDC/USDT send-and-receive via Bridge Ventures LLC on Ethereum, Solana, Base, and Arbitrum, international payouts in 57 currencies via Airwallex, treasury products including T-Bills, U.K. Gilts, and Bunds at BNY Pershing, and an MCP server enabling AI agents to programmatically manage banking operations. The company states "Thousands" of businesses use the platform with "$ Billions" in assets on-platform and "$25M+ Expected 2025 rewards paid." Key clients include Circle, Optimism, Cohesive AI, Journey, and INSHUR.Â
Meow raised a "$22m Series A led by Tiger Global with participation from QED" in July 2022. Additional investors include Shine Capital, Packy McCormick (Not Boring), Sahil Bloom, Charlie Songhurst, Austin Rief, and Charley Ma. Meow Advisory LLC is an SEC-registered investment adviser. Banking services are provided by Cross River Bank and Grasshopper Bank N.A. (Members FDIC), with FDIC insurance up to $200M through the IntraFi sweep network. The company operates from Miami Beach, Florida. No additional funding rounds publicly announced beyond the Series A.
Key Infrastructure.
MCP Banking Server
An MCP (Model Context Protocol) server enabling AI agents in Claude, Cursor, ChatGPT, VS Code, and 15+ other environments to programmatically open accounts, query balances, initiate wires, validate routing numbers, and manage corporate cards through natural language commands. Provides one unified API across ACH, wires, USDC/USDT on 4 blockchains, and card payments.
Stablecoin Payment Rails
Integrated USDC and USDT send/receive capabilities on Ethereum, Solana, Base, and Arbitrum via Bridge Ventures LLC, with zero fees for transactions. Supports inbound and outbound transfers directly from business checking accounts, enabling crypto-native treasury operations alongside traditional banking rails within a single dashboard and API.
Corporate Visa Card Issuance
Issues unlimited virtual and physical Visa corporate cards through Cross River Bank (Member FDIC) with custom spend controls per card, including daily, weekly, monthly, and per-transaction limits. Cards earn merchant-tiered cashback rewards of up to 2.5% on AI spend (Anthropic, OpenAI) with no annual fees or credit checks.
Multi-Rail Payment Infrastructure
Consolidates ACH, domestic wire, international SWIFT wire, 57-currency international payouts via Airwallex, USDC/USDT transfers, check issuance/deposit, and corporate card payments into a single platform. All domestic wire and ACH transactions carry $0 fees. International SWIFT wires also at $0 fee.
Global Treasury Products
Provides access to U.S. Treasury Bills, U.K. Gilts, and German Bunds at BNY Pershing with auto-roll, ladder strategies, and no trading fees. Charges 1 basis point per month annualized on U.S. T-Bills. Also offers Commercial Paper Accounts with 3.96–3.70% net yield, requiring $100K minimum balance, and money market fund access.
FDIC-Insured Banking Infrastructure
Delivers up to $200M in FDIC insurance through the IntraFi sweep network across partner banks Cross River Bank and Grasshopper Bank N.A. Provides business checking accounts with routing numbers, zero-fee ACH/wire, and multi-entity dashboard for managing multiple legal entities under a single login.
Additional Features.
AI Agent Onboarding
AI agents can complete full KYC onboarding including entity verification and bank account opening through the MCP server without human intervention in under 10 minutes.
Merchant-Tiered Cashback
Cashback rates vary by merchant: 2.5% on Anthropic/OpenAI, 1.5% on Apple/USPS/most purchases, 0.5% on Amazon/AWS, 0.01% on Walmart/Costco. Paid by Meow, not the issuing bank.
57-Currency Payouts
Sends money in 57 currencies including GBP, EUR, JPY, AUD, CAD, INR, SGD, CHF via Airwallex with local payment rails and competitive FX rates compared to standard Visa 3% markup.
USDC-Denominated Invoicing
Invoicing feature generates USDC wallet addresses across Ethereum, Base, and Solana for clients to pay invoices in stablecoins, with QuickBooks and Xero accounting integration.
Chargeback Elimination AMulti-Entity Dashboard rchitecture
Manages multiple legal entities from a single login with consolidated views across checking accounts, investment accounts, and digital wallets for VC firms and fund managers.
Backoffice Services
Offfers bookkeeping, end-to-end tax filings, and 409a valuations for eligible startups as bundled services, reducing the need for separate back-office providers.
