# Blinka > The banking platform for global companies. Blinka gives companies that operate across borders USD accounts, global payments, Visa Infinite business cards, and treasury on one platform. Blinka is built by Blinka Tech Corp, a financial technology company, not a bank: banking services come from Portage Bank, Member FDIC, the card from Third National, and treasury investments from Atomic Invest (see the disclosures below). Backed by Y Combinator. This is the Markdown version of [blinka.co](https://blinka.co/), written for AI agents and other automated readers. Trusted by Didit, Braven, Lazo, Bricksave, Dapta, Macondo, Talentropy, Signa, Pygma, Creditop, and Gol Ventures. ## Products ### USD accounts Receive USD by ACH or wire. Hold your balance in dollars, ready for what’s next. Banking services and deposit accounts are provided by Portage Bank, Member FDIC, and eligible deposits are FDIC insured (see Banking & deposit insurance below). ### Global Visa Infinite cards A Visa Infinite business card with no FX markup, wherever business takes you. Issued by Third National under license from Visa (see Card program below). ### High-yield Treasury Put idle USD to work with funds from BNY Dreyfus and Morgan Stanley. Investments are not FDIC insured and may lose value (see Treasury & investments below). - DSHXX: Dreyfus Institutional Preferred Government Money Market Fund (Hamilton Class), a money market fund. - MULSX: Morgan Stanley Ultra-Short Income Portfolio (Class IR), an ultra-short income fund. ## Global payments. Bank, local, and onchain transfers from your USD account. Transfer times vary by rail and receiving bank. ### USD transfers - United States: ACH and wire. - International: SWIFT, to 200+ countries. - Local USD routes: Peru, Panama, China, and Hong Kong. ### Local payment routes - Europe (EUR): SEPA. - Colombia (COP): Bre-B and local bank transfer. Also receive COP deposits with PSE. - Brazil (BRL): Pix and TED. - Mexico (MXN): SPEI. - Argentina (ARS): CBU, CVU, or Alias. - Chile (CLP), Peru (PEN), Bolivia (BOB), Costa Rica (CRC), and South Africa (ZAR): local bank transfer. ### USDC transfers USDC on Base, Ethereum, Polygon, Celo, and Solana. ## Your financial back office. Everything around your money, in one place. - Invoicing: create invoices and collect payments into your USD account. - Vendor management: keep your vendors and their payment details in one place. - Accounting, with automations: organize transactions and reduce the work between a payment and your books. Works with QuickBooks and Stripe. ## Get started Tell us about your business. Two quick questions on [blinka.co](https://blinka.co/#book) (your expected monthly volume and the balance you plan to keep) take you to the right next step: your account application, or a call with our team. - [Get started](https://blinka.co/#book): answer the two questions, then apply or book a call. - [Open an account](https://app.blinka.co/signup): the account application. - [Sign in](https://app.blinka.co): for existing customers. - Contact: [support@blinka.co](mailto:support@blinka.co). ## Developer API & MCP server (coming soon) Programmatic access to Blinka is in early access and not generally available yet. - Developer API: a REST API, authenticated with workspace API keys, to read your accounts and transactions and draft transfers. - MCP server: connect your AI assistant to Blinka over MCP, signing in with your Blinka account, so it can read your accounts and transactions and draft transfers for you. The reference is a preview, and access is by request: - [API reference (preview)](https://api.app.blinka.co/v1/docs) - [OpenAPI document (preview)](https://api.app.blinka.co/v1/openapi.json) To request early access, email [support@blinka.co](mailto:support@blinka.co?subject=API%20early%20access) with "API early access" in the subject. ## Legal center - [Legal center](https://docs.blinka.co/legal/overview) - [Terms of Service](https://docs.blinka.co/legal/terms-of-service) - [Privacy Policy](https://docs.blinka.co/legal/privacy-policy) - [Partner disclosures](https://docs.blinka.co/legal/partner-disclosures) - [Card Program Disclosures](https://docs.blinka.co/legal/cards/overview) - [Authorized User Terms](https://docs.blinka.co/legal/cards/authorized-user-terms) - [The legal center for agents (llms.txt)](https://docs.blinka.co/llms.txt): every page, as Markdown. ## Disclosures ### Banking & deposit insurance Blinka Tech Corp is a financial technology company, not a bank. Banking services and deposit accounts are provided by Portage Bank, Member FDIC. Eligible deposits may qualify for FDIC insurance up to $250,000 per depositor, per insured bank, per ownership category, subject to pass-through insurance requirements and aggregation with other deposits at the same bank. FDIC insurance covers an insured bank’s failure; it does not cover the failure of Blinka or another non-bank entity, or investment losses. - [Portage Bank disclosures](https://docs.blinka.co/legal/partner-disclosures) ### Card program The Blinka Card is issued by Third National under license from Visa. Blinka Tech Corp does not issue cards or extend credit. The card is for business use only and is subject to eligibility requirements and the applicable card agreements. The Blinka Card and related services are subject to approval by the applicable providers and their partners. Card artwork is provisional, shown for illustrative purposes only, and subject to review and approval by the applicable providers, their partners, and Visa. - [Card Program Disclosures](https://docs.blinka.co/legal/cards/overview) - [Authorized User Terms](https://docs.blinka.co/legal/cards/authorized-user-terms) - [Issuer Privacy Policy](https://www.third-national.com/privacypolicy) ### Treasury & investments Treasury services are subject to approval by Atomic Invest and its applicable partners. Product visuals and examples are provided for illustrative purposes only. Investment advisory services are provided by Atomic Invest LLC, an SEC-registered investment adviser. Brokerage services are provided by Atomic Brokerage LLC, a registered broker-dealer, member of FINRA and SIPC, and an affiliate of Atomic Invest. Atomic Invest’s routing of orders to its affiliated broker-dealer creates a conflict of interest. **Investments in securities are not FDIC insured, are not bank guaranteed, and may lose value.** Investing involves risk, including the possible loss of principal. Treasury investments are separate from insured bank deposits. Consider the applicable investment objectives, risks, fees, and expenses, and read each fund’s prospectus before investing. The Dreyfus government money market fund seeks to maintain a $1 share price, but that value is not guaranteed. The Morgan Stanley Ultra-Short Income Portfolio is not a money market fund and its share price fluctuates. Neither fund is a bank deposit or a government-insured investment. - [Atomic Invest disclosures](https://www.atomicvest.com/atomicinvest) - [Form ADV](https://adviserinfo.sec.gov/firm/brochure/313255) - [Atomic Brokerage disclosures](https://legal.atomicvest.com/usa.broker.disclosures.003464f3-f6bd-41c3-bbdf-7050e50b43a2.pdf) - [Dreyfus Hamilton Shares fund information & prospectus](https://www.dreyfus.com/products/mm/fund/dreyfus-institutional-preferred-government-money-market-fund.shareclass.Hamilton-Shares.html) - [Morgan Stanley Ultra-Short Income Portfolio prospectus](https://www.sec.gov/Archives/edgar/data/741375/000113322826000961/msiftusif-efp22315_497k.htm) ### Payments & stablecoins Stablecoins, including USDC, are not legal tender, are not FDIC insured, and may fluctuate in value. Payment availability and delivery times vary by account, destination, receiving bank, and payment network. Digital asset transactions carry risks, including network delays, smart contract risks, and regulatory changes. - [Partner disclosures](https://docs.blinka.co/legal/partner-disclosures)