Introduction
Meow is a rapidly growing US-based business banking fintech that offers startups and high-growth companies high interest checking accounts, high cashback cards, low-fee invoicing, and all the financial products startups need to operate at the most affordable price possible. Meow’s products include business banking, corporate cards, invoicing, payouts, and financing, all available within a unified platform designed for security and ease of use.
Meow enables customers to earn interest through high-yield checking accounts, purchase T-bills with lower annualized fees than traditional financial institutions offer, and benefit from continuous innovation on both its technology and its financial products.
Meow enables customers to earn interest through high-yield checking accounts, purchase T-bills with lower annualized fees than traditional financial institutions offer, and benefit from continuous innovation on both its technology and its financial products.
Challenges
Meow CEO Brandon Arvanaghi describes the company as “the Costco of financial services.” Like the retail giant known for its affordable yet high-quality basics, Meow aims to provide cost-effective financial products and services. “Why use a more expensive version of all these basic things, like a business checking account, international transfers, or billing?” asked Arvanaghi.
Meow identified an opportunity to enable its customers—which include both traditional and crypto-native businesses—to send and receive USDC as easily as fiat currency, with no transaction fees. To achieve this, Meow needed a stablecoin solution that could deliver seamless account onboarding, direct access to USDC liquidity, smooth integration into customers’ existing financial stacks, and ultra-low transaction costs. But several structural and operational barriers stood in the way:
Meow identified an opportunity to enable its customers—which include both traditional and crypto-native businesses—to send and receive USDC as easily as fiat currency, with no transaction fees. To achieve this, Meow needed a stablecoin solution that could deliver seamless account onboarding, direct access to USDC liquidity, smooth integration into customers’ existing financial stacks, and ultra-low transaction costs. But several structural and operational barriers stood in the way:
- Cumbersome Onboarding to Crypto Infrastructure
For customers to send or receive USDC, they typically had to open accounts with crypto exchanges—a process that could take weeks or months. Once approved, businesses often had to dedicate engineering or trading resources to operate and secure these accounts, creating significant friction and delaying access to liquidity. - Disconnected Financial Workflows
USDC operations were isolated from core treasury and accounting systems. Transactions had to be manually reconciled with fiat accounts, forcing finance teams to map each USDC payment back to a dollar transaction within ERP tools like QuickBooks. This created inefficiencies and operational overhead for companies that Meow sought to solve. - Lack of Enterprise-Grade Treasury Controls
Crypto exchanges did not offer critical controls such as spending limits, approval flows, or visibility across teams. Without these safeguards, USDC operations introduced unnecessary risk and complexity for finance leaders responsible for managing treasury at scale. - High Exchange Fees Undermining Efficiency
Legacy exchanges imposed steep transaction and conversion fees, undercutting Meow’s value proposition of offering low-cost financial services. These costs made it difficult for Meow to deliver USDC as a viable alternative to wire or ACH transfers for day-to-day business use.
To eliminate these inefficiencies and support its value proposition of providing one cohesive platform for all banking and treasury needs, Meow set out to find a company that could provide the infrastructure to enable seamless, cost-efficient USDC transactions. Meow’s focus on constantly offering new and improved features and products to its customers meant it needed a like-minded stablecoin partner that was fast moving and highly responsive to its needs.
Solution
Meow collaborated with Bridge to build a solution that enables businesses to send and receive USDC seamlessly from the same platform where they manage all their financial operations.
Meow used Bridge’s Orchestration API to integrate stablecoins into its unified platform. With Bridge, Meow businesses can send and receive USDC from their existing cash balance, eliminating the need to open and manage a separate account at a crypto exchange.
Businesses can also programmatically send USDC from within Meow and generate unique addresses on Ethereum and Solana to collect invoice payments. That means businesses can accept vendor payments via wire or standard bank rails, such as ACH, and the business can receive that money in USDC without having to expose address details publicly. Meow also enables businesses to generate and schedule recurring invoices within the platform, making it easy for customers to use their crypto holdings in everyday treasury operations.
In addition to invoicing, Bridge has enabled Meow to integrate USDC within standard accounting workflows. Businesses can automate the reconciliation of USDC transactions within their existing accounting software, such as Quickbooks. This includes invoices, which are automatically categorized and marked as paid.
Meow used Bridge’s Orchestration API to integrate stablecoins into its unified platform. With Bridge, Meow businesses can send and receive USDC from their existing cash balance, eliminating the need to open and manage a separate account at a crypto exchange.
Businesses can also programmatically send USDC from within Meow and generate unique addresses on Ethereum and Solana to collect invoice payments. That means businesses can accept vendor payments via wire or standard bank rails, such as ACH, and the business can receive that money in USDC without having to expose address details publicly. Meow also enables businesses to generate and schedule recurring invoices within the platform, making it easy for customers to use their crypto holdings in everyday treasury operations.
In addition to invoicing, Bridge has enabled Meow to integrate USDC within standard accounting workflows. Businesses can automate the reconciliation of USDC transactions within their existing accounting software, such as Quickbooks. This includes invoices, which are automatically categorized and marked as paid.
Results
Partnering with Bridge has enabled Meow to improve its product offering and strengthen its reputation among its customer base. By building a platform that responds to the needs of technology-forward companies focused on operating efficiently, Meow has grown payment volumes by billions. And in 2024, the company hit profitability and tripled its customer accounts. “Some of the biggest crypto companies in the world are using Meow right now,” said Arvanaghi.
Integrating Bridge’s Orchestration API within Meow allows businesses to perform routine accounting tasks more quickly and with less hassle than before. With Bridge, Meow businesses can reduce the time required to close their books from hours to minutes. And by automatically processing crypto invoices, Bridge enables Meow businesses to achieve same-day financial reconciliations. “Before, it was a pain,” said Arvanaghi. “You had to manually map the USDC transaction to a dollar transaction in your ERP. Now it’s all in the same place and we have a one-click integration with your Quickbooks instance. So it’s all done for you.”
Importantly, Bridge was able to move at the speed Meow expected from its stablecoin partner. The solution was live less than a month after development began, making Meow the first business banking company in the United States to offer these capabilities. With Bridge, Meow can now offer the most seamless experience possible for businesses that transact in USDC.
Integrating Bridge’s Orchestration API within Meow allows businesses to perform routine accounting tasks more quickly and with less hassle than before. With Bridge, Meow businesses can reduce the time required to close their books from hours to minutes. And by automatically processing crypto invoices, Bridge enables Meow businesses to achieve same-day financial reconciliations. “Before, it was a pain,” said Arvanaghi. “You had to manually map the USDC transaction to a dollar transaction in your ERP. Now it’s all in the same place and we have a one-click integration with your Quickbooks instance. So it’s all done for you.”
Importantly, Bridge was able to move at the speed Meow expected from its stablecoin partner. The solution was live less than a month after development began, making Meow the first business banking company in the United States to offer these capabilities. With Bridge, Meow can now offer the most seamless experience possible for businesses that transact in USDC.
Conclusion
With Bridge as its stablecoin partner, Meow has further differentiated its platform in the crowded business banking market. Today, Meow businesses can manage all aspects of USDC transactions, invoicing, and accounting within the platform. By enabling businesses to use USDC as easily and cost-effectively as cash, Meow has reinforced its value proposition of making banking easier and lowered the barriers to broader adoption of stablecoins in the business world.
“Bridge easily met our technical requirements for a stablecoin partner, but more importantly, they were the kind of partner we knew we needed to work with: a high-slope team that understood our vision and could move fast enough to help us achieve it. Bridge understood the opportunity immediately and went above and beyond to help us roll out this capability in less than a month. We were first to market, but this is just the beginning, and we look forward to continuing to partner with Bridge as we keep on building.”
Brandon Arvanaghi, CEO and Founder
Meow
“Meow is defining the state of the art in business banking and making it possible for companies to use stablecoins as easily as cash, which aligns precisely with our mission here at Bridge. They’re one of the fastest-moving teams and we’re proud to provide the technology they need to deliver high-quality, affordable products that help their customers save money as they grow.”
Zach Abrams, CEO and Cofounder
Bridge
*Meow Technologies is a financial technology company, not a bank or FDIC-insured depository institution. Banking services are provided by partner banks, which are FDIC-insured. Interest-bearing accounts and investment services, such as access to T-bills, are provided through licensed third parties. Stablecoin usage, including USDC, may involve risks. This document is for informational purposes only and does not constitute financial, legal, or investment advice.
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