Every wallet in. Instant cash out.
Vaultmeld is the payments-intake desk for solo-operator merchants — funnel Cash App, Venmo, PayPal, Apple Pay, Google Pay, and Zelle into a single queue, layer KYC / AML on top, and route settlement through licensed MSB corridors. No multi-day ACH wait.
- Same-day
- licensed-corridor
- BSA-grade
- KYC / AML built-in
- 1.5–3.5%
- + · per-tx fee
- Cash App+ $1,840
- Venmo+ $2,103
- PayPal+ $2,366
- Apple Pay+ $2,629
- Zelle+ $2,892
How it works
Three steps. One ledger. No tab-switching.
The closed-loop reality is in the design — Vaultmeld moves money through licensed corridors, sits on top of partner APIs, and does the BSA paperwork the operator cannot afford to forget.
Inflows funnel into one queue
Solo operators are the bottleneck in their own payment stack. Vaultmeld presents a single merchant dashboard that pulls balances from each wallet partner — Cash App for Business, Venmo Business, PayPal Commerce, Braintree — into one normalized ledger, so the operator stops tab-switching across half a dozen apps to see how much they actually have.
KYC / AML & BSA controls upfront
No instant payout without identity and transaction-level review. Vaultmeld layers KYC, sanctions screening, and Bank Secrecy Act reporting on top of every inbound before funds are touched, so the operator inherits BSA-grade posture on day one instead of bolting it on after a regulator calls.
Settlement through licensed corridors
Apple Pay, Google Pay, PayPal, Venmo, and Cash App each prohibit unlicensed resale of stored balances — Vaultmeld does not pretend otherwise. Payouts route through licensed money-transmitter corridors (or stablecoin rails where the operator holds the right registrations), so the merchant gets cash out the same day without the multi-day ACH wait.
Payouts
Same-day settlement, on rails that survive an audit.
- Licensed-MSB corridors in states where you hold the registration; stablecoin rails where you opt in and meet the licensing posture.
- Velocity limits per corridor with soft-then-hard pauses so BSA review has time to catch what velocity alone cannot.
- Per-payout ledger entry with the inbound wallet partner, the inbound amount, the corridor, and the fee — exportable for the corner of your accounting app that hates you.
- Route planner that defaults to the cheapest compliant corridor and only swerves on corridor-specific incidents, never silently.
- Inflows (5 wallets)
- $ 2,503.18
- KYC + AML review
- Cleared
- Corridor selected
- MSB-LIC · tier 1
- Discount rate
- 2.9%
- Per-transaction fee
- $ 0.25
- Net to operator
- $ 2,430.63
Compliance
The BSA paperwork, treated as table stakes.
KYC, AML, SAR/CTR workflows, FinCEN MSB registration, and state-by-state money-transmitter licensing are not features — they are the price of admission. Vaultmeld wires them into onboarding so the operator does not retrofit compliance after growth.
KYC / identity
01Beneficial-owner verification, document collection, and ongoing refresh against sanctions and PEP lists.
AML transaction monitoring
02Per-transaction and aggregate review with velocity, structuring, and high-risk-corridor rules — flagging to the operator's queue before settlement.
Bank Secrecy Act
03CTR / SAR filing workflows, recordkeeping under 31 CFR 1010, and a currency-transaction report ledger ready for FinCEN examination.
FinCEN MSB registration
04Money Services Business registration treated as table stakes: configured into onboarding so the operator ships compliant from day one rather than retrofitting after growth.
State money-transmitter licensing
05Routing logic respects state-by-state licensing status; payouts in non-licensed jurisdictions default to the degraded corridor rather than skipping review.
Partner-API track (no back-door)
06Built on official partner APIs — Cash App for Business, Venmo Business, PayPal Commerce, Brainttree. Vaultmeld is not a balance sucker; the closed-loop reality is named in the UI, not hidden.
Who it’s for
Founder-to-founder, not faceless bank.
Solo reseller / side-hustle
You run a one-person eBay / Etsy / marketplace desk. Money lands in three different wallet apps by Tuesday and you need it in your bank before the supplier invoice clears Friday.
Mom-and-pop digital storefront
A neighborhood cash desk for digital goods — gift cards, game credits, mobile top-ups. You want one ledger, one report, and the regulator on your side if the storefront draws a question.
Founder-of-one operations
You're the merchant, the accountant, and the compliance officer. You want a stack that defaults to the right answer rather than a tool that punishes you with optional toggles to discover later.
Pricing
Mainstream merchant discount rates. No teaser.
Roughly 1.5% – 3.5%per payout depending on corridor, plus a small per-transaction fee. Margins are thin — that’s the unit-economics reality. We’d rather be honest about the economics than quote a headline rate.
Tier 1
1.5 %
MSB-LIC · in-state
Tier 2
2.4 %
Cross-state · licensed
Tier 3
3.1 %
Stablecoin · opted-in
Flat
+ $0.25
per payout
FAQ
The questions we’d ask if we were the merchant.
Apply
Tell us your state, your volume, your corridor.
We’ll reply with the realistic onboarding path — licensing, KYC review window, and the actual rate you’ll pay — instead of a generic “pending review” template.
Or write to vaultmeld@polsia.app