About
The name on the wire is the company.
FinPay issues named USD accounts with full SWIFT access. We exist so a counterparty never has to ask who they are paying.
The thesis
We built a rail, not a bundled bank.
Pooled accounts put a platform code on the SWIFT field. That fails audits, fails counterparties, and fails the first question on a wire.
FinPay issues an account in the company’s legal name. KYB happens before details go out. Client funds sit in segregated accounts. FX is published. Support is a named desk — not a ticket pool.
The account
This is what we issue.
A named USD account in your company’s legal name, with SWIFT details you can put on an invoice. No pooled beneficiary. No reference-code theatre.
Payment instruction
USD
Account holder
Northwind Labs Pte. Ltd.
Account number
4401 8829 1044
SWIFT / BIC
FNPAUS33
Routing
021000021
Audience
Who this rail is for.
If the other side has to ask who they are paying, the account is wrong. FinPay is for operators who send and receive USD under their own name.
Cross-border exporters
Collect USD against commercial invoices without a US entity or a correspondent maze.
Marketplaces paying sellers
Payouts from an account that names the platform — not a pooled wallet sellers cannot verify.
Agencies holding client funds
Segregated named accounts so client money is traceable in an audit, not mixed in operations.
Treasury adding a USD rail
A named account beside the operating bank — without opening a full US branch.
Boundaries
What FinPay is not.
The negative space is the product. It saves a sales call.
01
Not a pooled wallet
There is no omnibus beneficiary. The name on the account is the name of the company.
02
Not a US bank branch
You do not need a US entity or a correspondent maze to collect USD against an invoice.
03
Not the bank of record
FinPay is a platform. Banking services are provided by partners. Funds sit in segregated client accounts.
Open an account
Issue the account. Send the details.
A named USD account with full SWIFT access — so the counterparty never has to ask who they are paying.