Enterprise payment infrastructure · 2026

Scale global payments at sovereign speed.

Issue physical and virtual Visa cards, settle globally in stablecoins, and optimize treasury liquidity with native AI. Built for modern enterprise operations.

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Trusted by 240+ enterprise treasuries · $14B settled monthly
Trusted by global finance teams 240+ enterprise customers
The Business Case

Three numbers your CFO already cares about.

Speed, cost, and risk are the only metrics enterprise treasurers evaluate. Here is what Penny does to each.

Settlement Speed
< 2s
Bypass SWIFT and correspondent banks. Stablecoin rails settle cross-border in under two seconds — never three business days.
Across 92 corridors View methodology
Cost Reduction
80%
Optimized cross-border rails skip intermediary correspondents. Most enterprises cut FX and wire fees by up to four-fifths in their first quarter.
Avg. across pilots View methodology
AI Fraud Mitigation
99.9%
Native AI inspects every transaction pre-authorization. Predictive anomaly detection catches fraudulent flows before they reach the card network.
Independently audited View methodology
The Platform

One stack. Every flow.

Stablecoin rails, Visa issuance, AI liquidity routing — built natively, exposed through a single API. No middleware. No correspondent banks.

Global Reach

Settle in 92 corridors, instantly.

Live · 12 corridors active
38
Currencies
92
Corridors
$14B
Monthly volume
Latency
1.8s
P50 cross-border settlement, measured end-to-end.
Issuance
14k/min
Bulk virtual & physical Visa cards provisioned in under a second each.
Penny · Treasury Copilot
›
Settlement window1.8s · same day
Effective FX spread7 bps
Wire / corr. fees−$48,200
Confidence94.6%
POST /v1/cards
1const penny = require('@thepenny/sdk');
2 
3const card = await penny.cards.create({
4  account_id: 'acct_01H8Z…',
5  currency: 'USDC',
6  limit: 25_000,
7  wallet: ['apple_pay', 'google_pay'],
8  controls: { mcc_block: ['7995'] },
9});
10 
11// → card.status === 'live' · 1.4s
1from penny import Penny
2 
3penny = Penny(api_key=os.environ["PENNY_KEY"])
4 
5card = penny.cards.create(
6    account_id="acct_01H8Z…",
7    currency="USDC",
8    limit=25_000,
9    wallet=["apple_pay", "google_pay"],
10)
11# → card.status == 'live' · 1.4s
1curl https://api.thepenny.com/v1/cards \
2  -u sk_live_••• \
3  -H "Content-Type: application/json" \
4  -d '{
5    "account_id": "acct_01H8Z…",
6    "currency": "USDC",
7    "limit": 25000,
8    "wallet": ["apple_pay", "google_pay"]
9  }'
10 
11# 201 Created · 1.4s
201 · card_01HX4Z9N Copy
Card Issuance

Turnkey card programs your finance team controls.

Issue corporate Visa cards under your brand — virtual for immediate spend, physical for travel. Multi-currency by default, with programmable guardrails on every transaction.

Bulk programmatic issuance
Spin up 14,000 cards per minute via a single API. Virtual cards live in milliseconds; physical cards print and ship in two business days.
Programmable spend controls
Per-card MCC blocks, daily/monthly velocity caps, geo-fenced authorizations. Edit limits in real time without re-issuing.
Instant Apple Pay & Google Pay
Provision directly into the wallet at creation. Employees tap-to-pay before HR even finishes onboarding.
Trust & Compliance

Institutional-grade
without the institutional drag.

We protect your capital and your reputation with the same guardrails your largest counterparties already demand — packaged so your procurement team finishes review in days, not quarters.

Certifications
SOC 2 Type II Audited annually
PCI-DSS Level 1 Highest tier
FinCEN MSB Registered & licensed
01

Data Protection

Encryption applied uniformly across the entire stack, with zero-trust internal access.

  • AES-256 encryption at rest
  • TLS 1.3 in transit
  • HSM-bound key custody
02

Stablecoin Safeguards

Every supported stablecoin is 1:1 backed and continuously attested by independent auditors.

  • 1:1 backed cash reserves
  • Monthly public attestations
  • Regulated banking custodians
03

Real-Time AI Fraud

A native AI model inspects every authorization pre-flight and freezes flows that breach risk thresholds.

  • Predictive anomaly detection
  • Instant transaction freezing
  • Per-merchant velocity caps
04

Identity & KYC

Automated global KYC/AML screening covers entity onboarding through ongoing transaction review.

  • Global sanctions screening
  • Adverse media monitoring
  • UBO & entity verification

Enterprise Audit Center

Download or request gated documents · NDA flow attached
All current as of May 2026
SOC 2 Type II Audit ReportAnnual, full scope Compliance Current
PCI-DSS Level 1 AOCAttestation of Compliance Security Current
Penetration Testing SummaryQ1 2026 · external assessor Security Current
Stablecoin Reserve AuditMay 2026 · Big Four Treasury Request access
Information Security WhitepaperArchitecture & controls Whitepaper Current
Developer Core

Built for the engineers your CTO trusts.

Crisp REST primitives, four first-class SDKs, and a sandbox you can hit without speaking to sales. Read the docs in the same window you ship from.

Sandbox
0 → live
Provision keys, hit endpoints, mint test cards — in under a minute.
Uptime
99.99%
Trailing 12-month, including planned maintenance windows.
docs.thepenny.com/core/cards/issue Sandbox
POST · /v1/cards

Issue a virtual card

Create a new virtual card linked to an enterprise account. Cards return status: "live" in under two seconds and are immediately pushable to Apple Pay and Google Pay wallets.

Request Parameters

account_id string · req Enterprise account that owns the card and bears settlement.
currency enum USD, USDC, EUR, EURC, SGD, GBP. Defaults to account base currency.
limit_amount integer · cents Lifetime authorization cap. Use spend_controls.daily_cap for velocity.
wallet_targets array Optional. Pushes to apple_pay, google_pay on issue.
1const { Penny } = require('@thepenny/sdk');
2 
3const penny = new Penny(process.env.PENNY_KEY);
4 
5const card = await penny.cards.create({
6  account_id: 'acct_01H8Z…',
7  currency: 'USDC',
8  limit_amount: 25_000_00,
9  wallet_targets: ['apple_pay', 'google_pay'],
10  spend_controls: {
11    blocked_mcc: ['7995', '5993'],
12    daily_cap: 5_000_00,
13  },
14});
15 
16// card.id → "card_01HX4Z9N…"
17// card.status → "live"
1from penny import Penny
2import os
3 
4penny = Penny(api_key=os.environ["PENNY_KEY"])
5 
6card = penny.cards.create(
7    account_id="acct_01H8Z…",
8    currency="USDC",
9    limit_amount=25_000_00,
10    wallet_targets=["apple_pay", "google_pay"],
11    spend_controls={"blocked_mcc": ["7995"], "daily_cap": 5_000_00},
12)
13 
14# card.id == "card_01HX4Z9N…"
15# card.status == "live"
1curl https://api.thepenny.com/v1/cards \
2  -u sk_live_•••: \
3  -H "Content-Type: application/json" \
4  -d '{
5    "account_id": "acct_01H8Z…",
6    "currency": "USDC",
7    "limit_amount": 2500000,
8    "wallet_targets": ["apple_pay", "google_pay"]
9  }'
10 
11# HTTP/2 201
201 Created · 1.42s · card_01HX4Z9N
Node.js SDK v2.4.1 GitHub $ npm install @thepenny/sdk
Python SDK v3.1.0 GitHub $ pip install thepenny
Go SDK v1.0.2 GitHub $ go get thepenny/go
Ruby SDK v2.0.0 GitHub $ gem install thepenny
Connect with an Enterprise Architect
A 30-min
call, not a deck.

We will benchmark your current payment stack against Penny in real time — cost, settlement window, and AI-routed savings — before you commit to anything.

Avg. response time · under 4 business hours
Discussion covered by mutual NDA
Routed to a domain-expert, not a BDR

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