Maobank is Coming
The bank for people who pay a lot. MaoBank is a payments-first digital bank built for high-frequency spending, local and international transfers, multicurrency use, and smarter financial movement.
Built for movement.
Why MaoBank
Most banks are designed to hold money. MaoBank is being built to move it.
Faster payments
Local and international transfers executed at the speed your business demands.
Smarter routing
Intelligent payment paths that optimize for cost, speed, and reliability across rails.
Global by default
Multicurrency accounts, cross-border transfers, and worldwide acceptance from day one.
Better spend control
Real-time visibility, approval workflows, and granular controls for every transaction.
Rewards for active use
The more you move, the more you earn. Activity-based rewards that match your pace.
Platform
Six integrated products — and one AI agent — designed for a new standard of financial movement.
- MaoVelocity
MaoVelocity
Personal payments account
A personal account for daily spending, multicurrency use, and active financial movement.
- MaoSwitch
MaoSwitch
Smart payments routing
An intelligent routing layer designed to optimize how payments move across rails, currencies, and use cases.
- MaoMiles
MaoMiles
Activity-based rewards
Rewards built around activity, not passivity. The more you move, the more you earn.
- MaoFlow
MaoFlow
Business payments & spend control
Business payments and team spend control for companies that move money constantly.
- MaoPass
MaoPass
Payment identity
A trusted payment identity designed for smoother digital transactions and seamless checkout.
- MaoAgent
MaoAgent
AI financial agent
The AI agent of MaoBank — built to help customers understand, manage, and optimize every kind of payment they make.
Built for how money actually moves
MaoBank is designed for people and businesses whose financial lives are defined by movement.
Global spenders
Multicurrency spending with no friction, anywhere.
Travelers
Travel mode, real exchange rates, zero markups.
Online shoppers
Virtual cards, subscription control, instant checkout.
Founders & operators
Business spend, team cards, approval workflows.
Freelancers & remote earners
Get paid globally, spend locally, convert smartly.
Payment-heavy businesses
Supplier payments, payroll, high-volume transactions.
MaoSwitch
One payment intent. Best execution path.
MaoSwitch is the intelligent routing layer behind MaoBank. It optimizes how money moves across payment rails, currencies, and use cases — choosing the best path for cost, speed, and success rate.
- Automatic rail selection
- Currency optimization
- Cost-aware routing
- Fallback logic
- Real-time execution
MaoMiles
The more you use MaoBank, the better it gets.
MaoMiles rewards active financial behavior — not passive balance-holding. Every payment, transfer, and transaction contributes to your MaoMiles balance, unlocking better rates, higher limits, and premium features.
- Activity-based earning
- Tiered rewards
- Rate improvements
- Limit upgrades
- Partner benefits
Meet Mao
Your AI agent for payments.
Mao is MaoBank's AI financial agent — built to answer questions, explain fees and restrictions, guide transfers, and help manage shopping, remittances, FX, crypto, and more.
- Procedures & restrictions
- Fees & timelines
- Payment routing
- FX optimization
- Subscription management
Modern money flows
Designed for the way money actually moves today.
Daily spending
Physical and virtual cards for everyday purchases.
Subscriptions
Manage recurring payments with full visibility.
International transfers
Send money across borders at real exchange rates.
Team cards
Issue cards for team members with spend controls.
Supplier payments
Pay vendors and suppliers with speed and control.
Multicurrency operations
Hold, convert, and spend in multiple currencies.
Why this matters now
Financial activity is accelerating. The average digitally active person or business now makes more transactions, across more currencies, through more channels than ever before. Banks haven't kept up.
MaoBank is being built for a world where money moves constantly — where paying, sending, and receiving is the primary financial behavior, not an afterthought.
We believe activity should be rewarded, payments should be intelligent, and a bank should move as fast as the people who use it.