The MaoBank Platform

MaoBank is architected as six integrated products and one AI agent — combining accounts, routing, rewards, business spend, payment identity, and AI-driven financial guidance into a complete system for people and businesses that pay a lot.

• 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.

Platform principles

• Payments-first architecture

  Every product is built around the primary financial activity: moving money — fast, accurately, and across borders.

• Intelligent by default

  Routing, currency selection, and optimization happen automatically behind every transaction.

• Unified experience

  Personal spending, business payments, rewards, and identity — all in one integrated platform.

• Built for scale

  From individual spenders to high-volume businesses — the same platform adapts to every level of activity.