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Straddle 101 - Internal
1. The Problem
Decades‑old rails, siloed data, and misaligned incentives have frozen payment innovation. To launch even a basic account‑to‑account flow, businesses juggle multiple vendors—identity, account linking, fraud tools, compliance—and still face the Payments Trilemma:
WTF?
Rail
Speed
Cost
Security / Fraud Risk
Operational Burden
ACH
Slow (1‑3 days)
Low
High returns & reversals
Batch windows, NACHA rules
Wire
Real‑time
Very high
Strong
Manual initiation, no APIs
Card
Seconds
High interchange
Chargebacks
Complex PCI scope
RTP / FedNow
Seconds
Moderate
Irrevocable → fraud exposure
Limited bank reach & tooling
There are no rows in this table
Because each rail enforces its own data model and risk rules, no one gets a unified view of the customer. Businesses are forced to pick two of the three: speed, cost, or security.
2. Our Vision
Money should move like data—instantly, and securely.
We imagine a world where any company can light up best‑in‑class payments with a single API key and where identity travels with every transaction, turning fragmented rails into a programmable, trusted network.
3. Our Principles
Principle
What It Means
Why It Matters
Identity is the atomic unit
Every paykey is bound to a real identity and linked account(s).
Eliminates pull‑fraud, enables irrevocable push payments, and lets risk models share ground truth.
The full stack is the only stack
Straddle bundles KYC, open banking, orchestration, monitoring, and compliance in one service.
Fewer vendors, zero glue code, aligned incentives.
Be opinionated
Default configurations bake in regulatory best practice, sanction screening tiers, and velocity limits.
Customers get bank‑grade compliance without becoming payments experts.
It just works across rails
Our engine dynamically routes over ACH, RTP, FedNow, card, and on‑chain networks based on cost, cutoff, and risk.
Solves the fragmentation of US payment rails
Payments as a flywheel
Drop‑in components let products embed identity‑powered checkout, payouts, and account funding.
Companies from startups to enterprise can ship faster and scale safer with Straddle
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4. What Changes with Straddle
5. The Outcome
Businesses launch faster, reconcile less, and keep more margin. Consumers enjoy the certainty of real‑time, fraud‑proof payments. Innovators build products once deemed impossible on legacy rails—ranging from instant wage access to programmable escrow—and they do it without ever opening a NACHA rulebook.
Straddle collapses the payment stack to two parties: you and the customer. Everything in between—identity, connectivity, orchestration, compliance—lives in an invisible infrastructure layer you reference with a single line of code.
We’re turning the Payments Trilemma into a solved problem so the next generation of fintech, marketplaces, and platforms can focus on what they do best: creating value.
Join us in making payments finally work for the internet era.
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