Introducing Maash Business: Banking Without Borders

You've just closed a deal with a client in the US. Great news, right? Except now comes the hard part: actually getting paid.

Your client sends the payment, but it takes 4 days to arrive. When it finally does, you've lost money to unfavorable exchange rates. Then there are your monthly SaaS subscriptions — another $80 gone to foreign transaction fees. And when you need to pay your development team or vendors, it's another round of fees, delays, and paperwork.

Sound familiar?

If you're running an SME that works across borders—whether you're a software agency, import/export business, or any company with international clients or vendors—you know this pain intimately. Traditional banks weren't built for the way modern businesses actually operate.

That's exactly why we built Maash Business.

What is Maash Business?

Maash Business is a digital dollar account designed specifically for businesses operating across Asia's emerging markets. Think of it as your global business bank account — but faster, cheaper, and built for the way you actually work.

Here's what you get:

• Multi-currency accounts in your business name - Receive payments in USD, EUR, and AED without opening separate bank accounts in each country
• Fast cross-border payments - Send money to 67 countries with same-day to next-day delivery instead of waiting 3-5 business days
• Transparent pricing - 0.5% + $1 per transaction with no hidden fees, no minimum balances, and no monthly subscriptions
• Team controls from day one - Set up role-based permissions so you can delegate without losing oversight

How It Works in Practice: A Real Example

Apium, a Dubai-based software agency, uses Maash Business to manage their cross-border finances. Before Maash, here's what their payment flow looked like:

1. Receiving payments from US clients:

• 5 days for funds to arrive in UAE business account
• Lost money on unfavorable bank exchange rates
• Funds locked in one location

2. Paying their Sri Lankan engineering team:

• $25 wire fee per transfer
• 2-3 days for engineers to receive funds
• Engineers needed separate USD accounts with minimum balance requirements

3. Monthly software subscriptions (AWS, design tools, etc.):

• Foreign transaction fees on every charge
• Unpredictable costs due to exchange rate fluctuations

After switching to Maash:

1. Receiving payments:

• Next day arrival (0.5% fee)
• Better exchange rates, clear pricing
• Keep funds in USD until needed

2. Paying team:

How to Pay Your Sri Lankan Team for Free (In USD)

If you’re paying $25 per employee in wire fees every month, there’s a better way. Maash Business gives you free USD payroll to Sri Lankan teams, with instant transfers, no limits, no subscriptions.

MaashJoyce Chin

• Instant transfers, $0 cost to other Maash users
• Engineers receive USD immediately
• Can convert to local currency whenever they want

3. Software subscriptions:

• Pay directly in USD with no foreign transaction fees
• Predictable costs

The agency now saves $15-40 on every client payment, eliminates transfer fees for their team, and has stopped hemorrhaging money on foreign transaction fees. It adds up to >$500 savings each month.

Why Trust Maash?

We know we're new. We know you're trusting us with your business finances. Here's why businesses are making the switch:

We're built by people who've been in your shoes

Our founding team has deep experience in both finance and building in Asia:

• 25 years of startup experience in Southeast Asia, including building and scaling FIFA broadcasting to 170M+ viewers in Indonesia
• 10+ years of product engineering for major financial institutions (London Stock Exchange, IFS serving Fortune 500 clients)
• 10+ years in financial services operations including advising major Asian banks at McKinsey and launching products at Capital One

We've felt these pain points ourselves. We know what it's like to lose sleep over delayed payments, to watch fees eat into your margins, to juggle multiple banking relationships across countries.

We work exclusively with licensed, regulated partners

Maash doesn't hold your money. Instead, we partner with established, fully-licensed financial institutions:

• Lead Bank (USA) - US-licensed bank founded in 1928
• Banking Circle (EU) - EU Bank founded in 2013 and regulated in Luxembourg, United Kingdom, Germany, Denmark, Sweden, Norway, Liechtenstein, and Australia
• Zand Bank (UAE) - UAE-licensed digital bank founded in 2018

We're the technology layer that makes everything fast and affordable, but your payments actually happen with institutions that have been vetted and approved by financial regulators.

We're transparent about how we operate

• No hidden fees or surprise charges
• Clear documentation of where funds are held
• Complete audit trail of every transaction
• Upfront about our verification requirements
• Open about what we do and don't support

We're growing because we solve a real problem

Businesses are switching to Maash because we're solving pain points that banks have ignored for years. We're not trying to reinvent finance—we're just making cross-border banking work the way it should have all along.

Built for Your Team Structure

From the moment you create your account, you can set up proper financial controls:

• Admin: Full control over account settings and all transactions
• Manager: Can initiate, approve, and execute payments
• Operator: Can initiate and execute payments
• Payment Processor: Can only execute pre-approved payments

You can set spending limits for petty cash, configure approval thresholds that match your business size (from one-person approval for small teams to multi-level approvals for larger companies), and maintain a complete audit trail of who initiated, approved, and executed each transaction.

No more wondering "who authorized this?" or losing control when you delegate.

What's Next

We're just getting started. Here's what's coming in the next few months:

Q1 2026

• Introduce yield (up to 4% APY) for your cash balance
• Introduce business cards
• Add UK, Australia, and Hong Kong bank accounts

Q2 2026

• Add Latin America bank accounts

Q3 2026

• Introduce invoice financing
• Increase global payment coverage

Payment is just the foundation. We're building the complete financial operating system for businesses operating across borders.

Pricing (Because We Hate Surprises)

Receiving client payment

Use our virtual bank accounts to receive payment in USD, EUR, and AED with just 0.5% + $1 per transaction.

Sending payment

• Tier 1 (0.5% + $1): USD to major markets, EUR to Eurozone
• Tier 2 (0.75% + $1): Local currency to most Asian and African markets
• Tier 3 (1% + $1): Local currency to Latin America and other markets

No minimum balances. No monthly fees. No hidden charges.

Getting Started

We're currently onboarding businesses through priority access:

1. Apply here: maash.fillout.com/business-priority
2. We'll reach out within 2-3 business days to understand your needs
3. Complete verification with our team guiding you through the process
4. Start banking - typically 3-5 days from application to active account

What we'll need

Standard business documentation — incorporation certificate, beneficial owner information for anyone holding 25%+ ownership, and basic details about your business operations. We'll guide you through the entire process.

Questions?

We know switching financial infrastructure is a big decision. We're happy to discuss your specific situation:

• Website: maash.io
• LinkedIn: linkedin.com/company/getmaash
• Email: support@maash.io

The Bottom Line

Managing money across borders shouldn't cost you thousands in fees and days of waiting. Maash Business gives you the speed, transparency, and control you need to run a modern cross-border company.

If you're tired of losing money to fees and waiting days for payments, we'd love to show you a better way.

Disclaimer: This article is for general informational and educational purposes only and does not constitute financial, investment, legal, tax, or other professional advice. Maash is a financial technology platform and is not a bank or investment adviser. Product availability and features may vary by country or region and are subject to eligibility checks, partner terms, and applicable laws and regulations. Any fees, charges, limits, or pricing examples described in this article are for information only and may change over time. Yield performance is provided for illustrative and informational purposes only and do not constitute an offer, solicitation, or recommendation to invest.