Transforming Financial Transactions for Merchants & Consumers

The All-in-One Platform for Banking, Payments, and Crypto – Secure, Seamless, and Global

THE PROBLEM

Disconnected Financial Systems

Merchants
Merchants struggle with high transaction fees, slow payouts, and currency conversion challenges when paying affiliates, contractors, and suppliers globally.
Consumers
Consumers face complex personal finance management, juggling multiple apps for banking, crypto, peer-to-peer payments, and rewards.

The result? Lost time, higher costs, and unnecessary financial stress.

Income Valet eliminates these barriers with an integrated financial ecosystem designed to streamline payments, banking, and crypto transactions—all secured on blockchain.

B2B PAYOUT SOLUTION

How Merchants Use Income Valet

THE CHALLENGE: Manual, Costly, and Slow Payouts

  • A merchant running a global affiliate program needs to pay out commissions to thousands of affiliates in different currencies.
  • B2B wholesale supplier struggles with slow invoice settlements, leading to cash flow issues.
  • A SaaS company has contractors and service providers in multiple countries, making payroll compliance a nightmare.

Traditional payment solutions like PayPal, Stripe, and wire transfers are slow, expensive, and lack flexibility.

THE INCOME VALET SOLUTION

Automated, Cost-Effective, and Instant Payouts

Instant global payments 

Pay affiliates, contractors, and partners via ACH, wire, crypto, or virtual debit cards.

Real-time settlements

Removes the necessity for lengthy processing periods.

Lower transaction costs

Reduces fees by up to 70% compared to PayPal or Stripe.

Multi-currency & crypto support

Allows seamless transactions in USD, EUR, Bitcoin, Ethereum, and stablecoins.

Automated tax reporting

Simplifies 1099 tax filing and compliance for businesses.
(Coming Soon)

EXAMPLES

How Merchants Win with Income Valet

E-COMMERCE & DROPSHIPPING BUSINESS

John owns a global e-commerce brand and works with thousands of dropshipping suppliers. Before Income Valet, he relied on Paypal which meant:

  • High fees
  • Days to process payments

With Income Valet:

  • He pays his suppliers instantly with one-click mass payouts.
  • He uses USDT stablecoins to avoid currency fluctuations.
  • He saves 50% on payment processing fees, boosting his profit margins.

ONLINE COACHING & AFFILIATE MARKETING

Sarah runs an online course business with a network of 2,000 affiliates. Before Income Valet, she struggled with:

  • Manually tracking payouts & commissions across different platforms.
  • Slow bank transfers & expensive fees on PayPal.

With Income Valet:

  • Affiliates receive instant payments in their local currency or crypto of choice.
  • Sarah automates tax reporting for her affiliates, reducing compliance headaches.
  • She spends less time managing payouts and more time growing her business.

 SAAS & SUBSCRIPTION-BASED BUSINESSES

A software startup with 300 global contractors struggled with:

  • Payroll complexities and currency fluctuations across different countries.
  • Long delays in contractor payments, hurting retention.

With Income Valet:

  • Contractors receive payments instantly via bank accounts, crypto, or virtual cards.
  • The startup eliminates costly wire fees, saving thousands per month.
  • Expense management & tax compliance are automated, reducing administrative work.
PERSONAL FINANCE SOLUTION

How Consumers Use Income Valet

THE CHALLENGE: Juggling Multiple Apps & High Fees Today’s consumers rely on multiple financial apps:

  • One app for banking, another for crypto, another for peer-to-peer payments, and another for budgeting.
  • High conversion fees when moving between crypto and fiat currencies.
  • Long settlement times when transferring funds across borders.
THE INCOME VALET SOLUTION

One App, Total Control

 One unified platform

Banking, crypto, payments, and rewards, all in one platform.

Instant money transfers 

Transfer money to family, friends, or businesses—no hidden fees.

Virtual & Physical Debit Cards

Access to both forms of debit cards, spending directly from fiat or crypto.

Automated bill pay & tax services

Automated bill pay & tax services, reducing financial stress.

(Coming Soon)

 Multi-currency wallets

Store, spend, and convert money globally with multi-currency wallets.

EXAMPLES

How Consumers Win with Income Valet

FREELANCERS & DIGITAL NOMADS

David, a freelance graphic designer, works with clients in the U.S., Europe, and Asia. Before Income Valet:

  • He waited days for PayPal or wire transfers to clear.
  • He paid high conversion fees when moving between USD, EUR, and crypto.
  • His money was spread across multiple financial apps, making it hard to track.

With Income Valet:

  • He receives instant payments from clients worldwide.
  • He converts money with minimal fees and spends seamlessly using a crypto-backed debit card.
  • He automates bill payments and tax tracking, making financial management effortless.

EVERYDAY SPENDERS

Lisa, a college student, needed an easy way to split expenses with friends and manage her budget. Before Income Valet:

  • She used Venmo, CashApp, and her bank’s mobile app to manage payments.
  • Transferring money between accounts took time and incurred fees.
  • She had no real-time insights into her spending.

With Income Valet:

  • She sends and receives money instantly from friends.
  • She uses a virtual card to make secure online purchases.
  • She tracks her rewards & expenses in one dashboard.

Why Merchants & Consumers Need Income Valet

For Businesses & Merchants

  • Automated, real-time mass payouts for affiliates, suppliers, and contractors.
  • Lower transaction costs compared to PayPal, Stripe, and traditional banks.
  • Seamless multi-currency and crypto payments with instant settlements.
  • Automated tax reporting & compliance tools. 
    (Coming Soon).

For Consumers

  • All-in-one financial app for banking, payments, and crypto—no more multiple apps.
  • Faster, cheaper money transfers with no hidden fees.
  • Spend anywhere with a virtual or physical debit card.
  • Total financial control with AI-powered tracking and bill automation.

Coming Soon

  • 1099 Tax Filing & Payroll Services
  • AI-Driven Bill Pay & Subscription Management
  • Personalized AI Investment Insights
  • Cross-Chain Token Swaps & DeFi Lending

White Label Solutions for Merchants & Custom Branded Debit Cards

Income Valet provides a customizable, white-labeled financial platform that allows merchants, enterprises, and fintech companies to offer their own branded payment and banking solutions. Businesses can now provide instant payouts, digital wallets, and custom debit cards under their own brand—without building the infrastructure from scratch.

Learn More

More approvals. Faster funding. Lower fees. Better support. 

Don’t wait until your account gets frozen. Upgrade your payments today.