Treasury, wallets & global payouts.
Controlled to the dollar.
Lynq Capital is the spend-management platform for high-spend US businesses. Fund your account by ACH, wire, or USDC through dedicated account details, hold your treasury with a regulated custodian, spin up dedicated wallets for every client, campaign, and employee, and pay vendors worldwide — with spending limits and real-time visibility on every dollar. Fully prefunded — no credit, no surprises.
- Segregated wallets for every client, campaign & team — live in seconds
- Fund by ACH or wire via dedicated virtual accounts
- Link your business bank with Plaid — balances & transactions sync
- Spending limits per wallet, employee & campaign
- Global payouts: USD → EUR, MXN & BRL
- Accept USDC — auto-converts to your USD balance
- Real-time transaction feed, alerts & receipt capture
- Budgets by client, campaign & team
- Multi-approval workflows & role-based permissions
- KYB verification, audit logs & protected data
Lynq Capital is a financial technology company, not a bank. Stablecoin custody and payment services are provided by Bridge (Bridge Building Inc. / partner banks). Card issuing and banking services are provided through licensed, regulated partners. Cards are prefunded commercial debit cards funded in advance — Lynq Capital does not extend credit.
Join the waitlist to be first in line. Prefer email? contact@lynqcapital.co
Prefunded balance
$128,450
Spend this month
$24,600
On budget
Active wallets
14
Spending limits enforced
A strong financial foundation for your business
One spend-management platform built for high-spend marketing agencies and ecommerce brands — segregated wallets, spending limits, approval workflows, budgets, and real-time visibility on every dollar.
Wallets in seconds
Spin up single-purpose or standing wallets for digital ads, SaaS subscriptions, and vendor spend — one wallet per platform, client, or campaign.
- Instant wallet creation
- One wallet per platform, client, or campaign
- Adjust limits or close instantly
Prefunded, not credit
Fund your balance by ACH from your linked business bank account before any spend occurs. Wallets draw only on funds you've already deposited — no credit line, no interest, no debt.
- ACH funding from your linked bank account
- Spend is capped at your prefunded balance
- No credit checks, interest, or late fees
Approval workflows
Maker-checker control — payouts and transfers are requested by one user and approved by a different admin before money moves.
- One user requests, another approves
- Approval thresholds by amount or role
- Every decision written to the audit log
Spend limits on every wallet
Set per-transaction, daily, monthly, or campaign-window limits per wallet and per user; transfers that exceed a limit are blocked before they execute.
- Per-wallet and per-user limits
- Daily, monthly & campaign windows
- Blocks enforced before money moves
Real-time visibility
Every authorization, decline, and settlement lands in your dashboard the moment it happens. Alerts, receipt capture, and a full transaction timeline included.
- Live transaction feed & alerts
- Receipt capture & matching
- Full searchable history
Flexible access & permissions
Admins, accountants, and operators each get the right level of access and approval authority. Custom limits by user or role.
- Role-based user permissions
- Approval flows & audit logs
- Custom limits by user or role
Client & campaign budgets
Tag wallets and transactions to clients and campaigns. Track budget vs. actuals live and close client billing in minutes, not days.
- Budgets by client & campaign
- Live budget vs. actuals
- Ready-to-bill exports
Seamless integrations
Export straight to your accounting tools for streamlined reconciliation and reporting — every transaction tagged by client, campaign, or wallet.
- QuickBooks & Xero-ready exports
- CSV / Excel / QBO downloads
- Unified ledger & reconciliation
Intelligent tools for modern finance teams
Automated spend policies, wallet controls, and real-time analytics come standard. Lynq gives high-spend agencies and ecommerce brands a command center for company spend.
Lynq Capital is a financial technology company and is not a bank. Card issuing and banking services are provided through licensed, regulated partners.
Real-time analytics
Instant visibility into balances, wallet spend, and budget burn by client, campaign, and platform. Spot trends and close client billing faster.
Automated spend policies
Schedule funding, set standing wallet rules, and let policies enforce themselves — blocks happen before the money moves, not after it is gone.
Spend controls
Role-based and custom limits keep your team moving without losing control. Adjust permissions, freezes, and limits in real time.
Compliance-first design
KYB status, transaction monitoring, and audit trails in one dashboard. Built for AML from day one.
Everything high-spend brands need
Spend management for marketing agencies and ecommerce brands — segregated wallets, spending limits, budgets, real-time visibility, and receipt capture.
Lynq Capital is a financial technology company and is not a bank. Card issuing and banking services are provided through licensed, regulated partners.
Wallets on demand
Spin up purpose-built wallets for digital ads, SaaS subscriptions, and vendor spend — one wallet per platform, client, or campaign.
Prefunded balance
Fund your account by ACH from your linked business bank account before any spend. Spend only draws on money you've already deposited.
Limits & controls
Set per-wallet daily, monthly, or campaign spend limits and per-user roles — limits are enforced before money moves.
Real-time visibility
Live transaction feed, instant alerts on every authorization and decline, and receipt capture matched to each charge.
Client & campaign budgets
Tag wallets and spend to clients and campaigns. Track budget vs. actuals live and export ready-to-bill reports.
Receipt capture & exports
Capture receipts against every transaction and export ready-to-bill reports by client, campaign, or wallet.
Transparent pricing
Simple subscription plans. No credit, no interest, no hidden fees — you spend only what you've prefunded.
Compliance built in
KYB verification before any money moves, transaction monitoring, and audit logs on every action.
Money in, money out — one balance
Treasury, dedicated virtual account numbers, international payouts, and USDC acceptance run on Bridge's regulated infrastructure, with Lynq as the software layer. Fund by ACH, wire, or crypto — then spend, pay, and move money worldwide.
Treasury & balances, custodied by Bridge
Your operating balance is held in custody by Bridge as the regulated provider of record. Lynq builds the software layer — we never receive, hold, or control your funds.
Virtual USD accounts
Dedicated account and routing details in your business's name. Receive ACH and wire deposits that land in your Lynq balance automatically — no manual funding step.
Global payouts
Pay vendors and contractors from the same balance, with the same approval workflows as every transfer. Settle in local currency across USD → EUR, MXN, and BRL corridors at transparent all-in FX rates.
Accept USDC
Give payers a dedicated liquidation address or static memo. Incoming USDC converts to your USD balance automatically — crypto in, dollars out, no wallets to manage.
Perks marketplace
Exclusive partner offers and vendor perks for Lynq customers, curated for agency and ecommerce spend. Browse and redeem from your dashboard.
Accounting-ready exports
Download CSV and QBO files ready for QuickBooks or Xero, with every transaction tagged by client, campaign, or wallet. Close the books in minutes.
Lynq Capital is a financial technology company, not a bank. Stablecoin custody and payment services are provided by Bridge (Bridge Building Inc. / partner banks). Card issuing and banking services are provided through licensed, regulated partners.
Compliance-first spend management
KYB verification, approval workflows, audit logging, protected data, and real-time spend controls help high-spend agencies and ecommerce brands manage company spend safely.
Lynq Capital is a financial technology company and is not a bank. Card issuing and banking services are provided through licensed, regulated partners.
Compliance-first controls
KYB before issuance
Every business completes verification — legal entity, beneficial owners, and authorized users — before a single dollar moves.
Approval flows
Require approvals for new wallets, limit increases, and large transfers before they execute.
Audit-ready logs
Every wallet action, funding event, limit change, and verification is logged with actor records and timestamps.
Controlled money movement
Prefunded spending
Fund your balance by ACH from your linked business bank account before any spend occurs. Spend never exceeds what you've deposited.
Enforced spending rules
Spending limits and approval rules are enforced when money moves — not reconciled after the fact.
Instant freezes
Freeze a wallet, a user, or the whole program in one click when something looks wrong.
History & reconciliation
Aggregated transaction history
See authorizations, declines, settlements, and funding events in one unified timeline.
Accounting-ready exports
Download CSV and QBO files ready for QuickBooks or Xero to close the books faster.
Receipt capture
Upload invoices or receipts via drag-drop or camera and auto-match them to transactions.
Team management
Invite and onboard your team
Add admins, managers, and employees with role-based permissions and per-user spending limits.
Real-time status changes
Suspend, activate, or remove users and their wallets instantly as your team changes.
Audit every change
Permission changes, wallet creation, and invitations are logged with timestamps and actor records.
Regulated partners
Custody and money movement run through licensed, regulated financial partners.
Approval workflows
Sensitive actions — new wallets, limit changes, transfers — require approval.
Controlled spending
Prefunded balances and spending limits enforced before money moves.
Scoped access & protected data
Permissions tailored by role; sensitive data protected with database-level encryption and strict access controls.
How it works
Powered by regulated financial infrastructure
Lynq Capital combines regulated custody and banking partners with a unified ledger to deliver a spend-management operating system for high-spend agencies and ecommerce brands.
Lynq Capital is a financial technology company and is not a bank. Card issuing and banking services are provided through licensed, regulated partners.
Segregated accounts & wallets
Dedicated custodied accounts and wallets are provisioned in seconds through licensed, regulated partners, with platform-enforced controls on every one.
Prefunded accounts
Customer balances are funded by ACH from linked business bank accounts and held with regulated financial partners before any spend occurs.
Bank linking
Businesses connect their existing bank accounts through trusted bank-linking infrastructure to fund their balance.
Unified ledger & reconciliation
Funding events, authorizations, settlements, and payouts are indexed into a single ledger, so your finance team closes the books faster.
Role-based access control
Admins, managers, and operators each get scoped permissions. View, initiate, or approve — based on role and company policy.
Compliance screening
KYB verification, sanctions screening, and transaction monitoring are built into onboarding and every money movement.
Bank-grade security
AES-256 encryption, TLS in transit, signed webhooks, and SOC 2-aligned controls. Sensitive credentials stay with regulated partners, not Lynq.
On the roadmap
What's next for Lynq
Upcoming features and partner offers we're building toward. Roadmap items are in development and subject to change — talk to our team if one of these matters to you.
Bridge-issued cards
Virtual and physical cards that spend directly from your Bridge-custodied balance — no separate prefunding step. Currently in partner program review.
Card-linked offers
Merchant-funded offers linked automatically to your Lynq cards through partner offer networks — savings on the spend you already run.
Automatic accounting sync
Two-way QuickBooks and Xero sync through our Codat integration. CSV/QBO exports are live today; automatic sync is next.
Working-capital referrals
Introductions to embedded-lending partners such as Parafin or Pipe for eligible businesses. Referral only — Lynq Capital is not a lender and makes no credit decisions.
Business insurance referrals
Referral links to business-insurance partners such as Vouch or Next Insurance. No quoting or binding through Lynq — coverage is arranged directly with the provider.
Expanded vendor perks
A growing marketplace of partner discounts on the ad platforms, SaaS tools, and services agencies and brands already use.
Travel booking
Book business travel on your controlled Lynq cards with partner rates — with the same merchant locks and spend limits as every other card.
Partner products are offered by third parties under their own terms, and Lynq Capital may receive referral compensation. Lynq Capital does not provide lending, insurance, or travel services and does not advise on credit or coverage. Nothing on this page is an offer of credit, insurance, or investment products.
Simple, transparent pricing
One platform, flexible plans.
Simple subscription plans for the spend platform. Wallet issuance is included, and spending is prefunded — no credit, no interest, no hidden fees. Enterprise plans are tailored to volume and support.
Lynq Capital is a financial technology company, not a bank. Stablecoin custody and payment services are provided by Bridge (Bridge Building Inc. / partner banks). Card issuing and banking services are provided through licensed, regulated partners.
Free
Try Lynq's spend platform with one user and a few wallets.
No payment details required
1 user
Up to 3 active wallets
- Prefunded wallets
- Spending limits & controls
- Per-wallet spend limits
- Real-time transaction feed
- Email support
Starter
For small teams putting ad and SaaS spend under controlled wallets.
$588/year billed annually
Up to 5 users
Up to 25 active wallets
- Everything in Free
- Client & campaign tagging
- Budgets & live budget vs. actuals
- Receipt capture
- CSV exports
- Priority email support
Pro
For growing teams managing multiple clients and higher wallet volume.
$1,788/year billed annually
Up to 15 users
Unlimited wallets
- Everything in Starter
- Unlimited campaigns
- Advanced role-based approvals
- Custom spend policies
- Global vendor payouts & FX
- USDC acceptance
- QBO accounting exports
- API access
- Priority support
Enterprise
For large agencies and brands with custom volume and compliance needs.
Annual contracts available
Unlimited users
Custom wallet volume
- Everything in Pro
- Unlimited users & volume
- Volume-based pricing
- Dedicated onboarding
- SLA & priority engineering
- Custom integrations
- Compliance & audit support
Usage fees
| Fee type | Rate | Notes |
|---|---|---|
| Wallet issuance | Included | No per-wallet fee on any plan |
| ACH & virtual-account deposits | 0.5% | Deposits to your dedicated account & routing details |
| Prefunded spending | No platform fee | Spend draws on your prefunded balance |
| Vendor & contractor payouts | From 0.4% | Per payout from your platform balance |
| FX USD → EUR, MXN, BRL | 1% all-in | No hidden spreads |
| Accept USDC (auto-converts to USD) | 1% | Via a dedicated liquidation address or static memo |
| Wire deposits | Pass-through | Bank wire fees passed through at cost |
| Third-party fees | Pass-through | ACH returns, wire, and network fees pass through at cost |
Third-party fees such as ACH returns and bank wires are passed through at cost. See full fee schedule for details. Contact sales for a detailed quote.
Plan comparison
| Features | Free | Starter | Pro | Enterprise |
|---|---|---|---|---|
| Users | 1 | Up to 5 | Up to 15 | Unlimited |
| Active wallets | 3 | 25 | Unlimited | Custom |
| Prefunded spending | ✓ | ✓ | ✓ | ✓ |
| Spending limits & controls | ✓ | ✓ | ✓ | ✓ |
| Per-wallet spend limits | ✓ | ✓ | ✓ | ✓ |
| Virtual account funding | ✓ | ✓ | ✓ | ✓ |
| Role-based permissions | Basic | ✓ | Advanced | Advanced |
| Budgets & spend policies | Basic | ✓ | Advanced | Advanced |
| Client & campaign tagging | — | ✓ | ✓ | ✓ |
| Receipt capture | — | ✓ | ✓ | ✓ |
| API access | — | — | ✓ | ✓ |
| Priority support | Priority | Dedicated | ||
| SLA & custom integrations | — | — | — | ✓ |
For a full fee schedule, see /fees.
Put every dollar of company spend under your control.
Join the waitlist for segregated wallets with spending limits, client and campaign budgets, approval workflows, and real-time visibility — built for high-spend agencies and ecommerce brands.
Lynq Capital is a financial technology company and is not a bank. Card issuing and banking services are provided through licensed, regulated partners. Interested in a pilot? Reach out at contact@lynqcapital.co