We’re building the last payment processor your business will ever need.

We started Useroutr after watching the same problem repeat itself at every fintech we worked at: payments break across borders, custody concentrates risk, and every “simple payment” ends up stitched together from four vendors and a spreadsheet.

The web3 payments wave promised to fix it. Cross-border settlement in seconds, fees measured in pennies, programmable money. But every product we tried held our funds, owned our customers, or required us to become money transmitters ourselves. The unit economics never worked.

Useroutr is what we wished we’d had. One API that takes payments in any currency, on any chain, and settles to wherever your business actually keeps money — without ever holding it in between. No custody. No surprises. No four-vendor stack.