$46K per year.
A 35-person exporter pays 200bps on every cross-border wire — quietly, invisibly, compounding. The bank calls it the spread. The CFO calls it unavoidable. It is neither.
Processed in pilotUSD 600,000
Enterprise pilots5 live
FX cost30 bps
Treasury yield4.1% USDG
SettlementT+0
Corridor 01US
Corridor 02EU
Corridor 03SG
Corridor 04UAE
Corridor 05IN
the financial os for cross-border companies
The Financial OS for the Company, Not the Founder.
Multi-country payroll. Programmable treasury with live yield. Real-time cross-border settlement at 30bps. Continuous compliance. One institutional surface — built on regulated partners on both sides of every flow.
5-minute self-serve. Free dashboard. Pay only when you move money.
01The Problem
Eleven tools. Four spreadsheets. A CA who never sleeps.
A stack that was never designed to be one stack. Across $1.4 trillion in annual cross-border B2B payment flow, this recurs in every mid-market exporter, multi-country SaaS, and cross-border workforce. The cost of the wrong stack is not a rounding error. It is a margin problem.
$17K of recoverable burn.
A part-time CFO who reconciles fifteen payroll transfers, three compliance folders, and a treasury spreadsheet that nobody trusts — every single month. Automation costs less.
$25K never earned.
Cash in a checking account earning zero while the bank's own treasury desk compounds it. The yield exists. The instrument is a stablecoin. The result is 4.1% annually on what used to earn nothing.
$88K preventable.
Eleven tools. Four spreadsheets. A CA who never sleeps. A stack that was never designed to be one stack. Across $1.4T of annual cross-border B2B flow, this recurs in every mid-market exporter.
Market Under Review
Mid-market exporters under $500M.
Completely underserved by every TMS. Wise is partial. JP Morgan is impenetrable. Nuseum is built for the 35-person exporter paying $88K/year in preventable burn — not the Fortune 200 customer with a $2M/year treasury contract.
$1.4T
Annual B2B cross-border flow (growing 8% YoY)
$42.7T
B2B cross-border by 2026 (Juniper Research)
$120B
Treasury management software market by 2030
$58B
FX revenue at banks, extracted from B2B exporters annually
1.8%
Average FX leakage as share of exporter revenue — recoverable
4.1%
USDG treasury yield available — vs 0% in bank account
Built on regulated partners on both sides of every flow
OpenFX
FX rail · 30 bps · T+0
OSL BizPay
Institutional settlement · 3 hr
Paxos USDG
Stablecoin treasury · 4.1% GDN
DIFC
Licensed fund partner · UAE/GCC
GIFT City
Licensed fund partner · IFSCA India
Ministry of MSMEs
Export promotion · India MoU
02The Product · Nuseum OS
Pick the module. Or take the whole OS.
Six modules. Five live, one in pilot. Volume tiers above $10M annual flow. The finance team starts with what hurts most and adds the rest as the company grows.
Lowest FX in the category.
Cross-border B2B at 30bps flat via OpenFX. No fixed fee. No correspondent chain deductions. No surprise charges on landing. Settlement in 3 hours via OSL BizPay, 24/7, no bank hours dependency.
▸ 0.30% FX spread
4.1% yield, automated.
Idle corporate cash minted to USDG via Paxos GDN. Earns short-term Treasury benchmark yield. User-defined risk thresholds. Real-time visibility across all jurisdictions. Automatic rebalancing.
▸ 0.50% AUM annually
One instruction, fifty countries.
Multi-country workforce settled in local rails or stablecoin, their choice. India via IMPS, Philippines via InstaPay, UAE via UAEFTS. Or USDG direct to employee wallet. Automated tax withholding per jurisdiction.
▸ USD 12 per employee per month
Audit is always ready.
Continuous reconciliation across every jurisdiction. Every transaction timestamped, purpose-coded, e-FIRA-ready (India), SWIFT MT103 equivalent records via API. AML via Chainalysis. FATF Travel Rule via Notabene.
▸ Bundled in full OS
Lower FX for exporters.
India Ministry of MSMEs partnership. Indian exporters receive USD from global buyers via Nuseum, get better FX than their AD bank, auto-generate e-FIRA for GST compliance. Stablecoin escrow replaces Letters of Credit for $50K-$500K trade flows.
▸ 0.30% FX + escrow fee
All five. One surface.
All modules discounted. Single API. Single dashboard. Single vendor audit trail. The entire institutional stack for a cross-border operating company.
▸ From USD 2,400 per month
The CFO used to call the bank at 9am to move $50M. Now software does it at 3am on a Sunday.
Programmable Treasury · §05 of the Nuseum doctrine · USDG via Paxos GDN at 4.1% yield
03Traction & Standing
$600K processed in pilot. Five corridors live.
Five enterprise pilots — mid-market exporters (IN to US and IN to EU) and cross-border SaaS (US billing entity, IN ops). Treasury module live for 2 of 5 pilots. All 5 on the payments module. India-corridor e-FIRA auto-generation active.
01
$600K processed
Pilot, live, not projected.
02
5 enterprise pilots
Exporters + cross-border SaaS.
03
5 corridors live
US · EU · SG · UAE · IN.
04
2 treasury pilots
Full treasury module in production.
04Schedule of Consideration
Pricing the customer can do the math on.
Payments
Cross-border B2B settlement, lowest spread in category
0.30%FX spread, no fixed fee
Programmable Treasury
4.1% USDG yield on idle cash, 50bps to Nuseum
0.50%AUM annually
Cross-Border Payroll
Multi-country workforce, automated tax withholding
USD 12per employee per month
Full OS Bundle
All five modules, discounted, volume tiers above $10M flow
From USD 2,400per month
Typical customer · $4M cross-border flow / year
Nuseum captures
- Payments (0.30%) ........ $12,000
- Treasury (0.50% on $3M idle) $15,000
- Payroll (35 employees) ... $5,040
- Total Nuseum: $32,040 / year
Same company overpays bank
- FX alone .................. $72,000
- CFO retainer .............. $17,000
- Idle treasury loss ........ $25,000
- Bank burn: $114,000 / year
Nuseum captures $32,040. Customer keeps $81,960 they were giving away.
05Counsel of Record
The names on the masthead.
Shivam Vastava
Two prior exits. Multi-million dollar rounds raised for web3 infrastructure and institutional DeFi. Last company in a16z CSX. Senior advisor to India's national cybersecurity team. Active institutional relationships across US, Singapore, UAE, and India payment and regulatory ecosystems. OSL BizPay, OpenFX, DIFC, and GIFT City partnerships established — not introductions, contracted relationships.
Founder LinkedIn: linkedin.com/in/shivamvastava
Now hiring
Head of Compliance (cross-jurisdictional) · VP Sales (enterprise India + UAE) · Senior Engineer (stablecoin payment infrastructure) · Head of Institutional Partnerships. F500 compliance and cybersecurity bench in place. DIFC Dubai and GIFT City IFSCA licensed fund partners — contracted. Ministry of MSMEs MoU signed.