USDC prepaid spend · AI & cloud vendors
Fund it once.
Spend it precisely.
Deposit USDC through partner-custody rails. We turn it into ledger credit and pay OpenAI, Anthropic, and your cloud vendors through official card and bill-pay rails.
Available balance
$0
Reserved for auth
$0
Settled this month
$0
Illustrative ledger view — not live account data.
The gap
Paying AI vendors is where finance discipline breaks down.
Personal cards on file
Someone's Amex is the account of record for OpenAI. Finance can't see it, can't cap it, and finds out when the statement lands.
Wire-and-hope top-ups
OTC desks and manual transfers with no idempotency and no reconciliation trail — every top-up is a spreadsheet argument later.
One shutoff switch
An expired card or a frozen unofficial proxy takes production down. There's no reserve, no fallback, no audit trail.
How it works
Four steps between your treasury and a vendor invoice.
01
Deposit
Send USDC on Base to your org's unique, partner-custodied deposit address. No shared addresses, no memos to get wrong.
02
Credit
After confirmations, the ledger posts spendable credit — double-entry, to the cent, net of the disclosed top-up fee.
03
Reserve & spend
A card authorization or bill-pay request reserves credit first. Nothing settles against a balance that isn't actually there.
04
Reconcile
Every reservation, settlement, and release lands in an exportable audit trail your finance team can actually close the books on.
Product
Built like a ledger, not a demo wallet.
Ledger-grade accounting
Double-entry journal for every deposit, reserve, settlement, and release. Balances are computed, never edited.
Official rails only
Virtual card and bill-pay funded by your credit — never an unofficial key resale sitting behind our proxy.
Org controls
Owner, admin, developer, and finance roles. Monthly caps and per-instrument budgets that hard-block overspend.
Full audit trail
Every reservation, settlement, and admin action is logged and exportable — built for a finance close, not a demo.
Base L2, partner custody
USDC deposits are held with a custody partner, not a solo hot wallet. Unique deposit address per organization.
Built for real vendor spend
Documented playbooks for attaching Surenbay to OpenAI and Anthropic billing, with a staging checklist before you cut over.
Security & compliance
Money movement stays on regulated rails, not workarounds.
Surenbay is a technology platform. Custody, card issuing, and identity verification are performed by partners built for those functions — Surenbay doesn't self-custody deposits or run an unofficial vendor proxy as its core product.
- Deposits held with a custody partner — not a solo-signer hot wallet
- Spend flows through official card and bill-pay networks, never a shared master key
- Organizations complete KYC/AML checks before balances go live
- No interest paid on balances by default, no platform token — fees are disclosed USD line items
Pricing
Three levers, all visible before you deposit.
Indicative starting bands — final numbers are set per plan and shown before every deposit and on every invoice.
Platform fee
$99–$499/ mo
Team and Enterprise plans. Covers KYC, custody, and support — not funded by opaque spreads.
Take rate
1.5–4%on top-up
Disclosed at deposit time, scales with volume. No hidden markup on vendor charges.
Minimum top-up
$500floor
Keeps deposits meaningful and KYC/custody costs sane. Not built for $20 dust deposits.
Built for organizations already spending roughly $2,000+/month on LLM or cloud infrastructure.
Give your AI spend a ledger it deserves.
Deposit once. Reserve, settle, and reconcile every dollar spent with OpenAI, Anthropic, and the vendors that follow.