Netaro

Netaro is a cross-border B2B settlement platform launched in November 2025. It targets US enterprises that fund overseas operations or pay international suppliers repeatedly, replacing multi-day SWIFT wires with stablecoin-settled transactions that the company says complete in under 60 minutes. The enterprise user operates entirely in fiat: wallets, private keys, and on-chain mechanics are handled by the platform, not the customer.

How the Settlement Workflow Works

Each payment on Netaro moves through a seven-step controlled path before value leaves the customer's account. The originating team attaches a payment purpose and supporting evidence, routes the request through an internal approval chain, and triggers FX conversion once approval is confirmed. The platform then delivers local fiat to the recipient and writes the completed transaction back to the customer's accounting system automatically.

Stablecoins, specifically USDC and USDT, function as the clearing mechanism inside that path. They bridge the gap between the USD funding side and the local currency payout, but they never appear in the enterprise's ledger as crypto assets. Netaro generates the ledger entries, tax headers, and trade-document linkages required for corporate audit sign-off on the fiat side of each settlement.

The company publishes live corridor pricing of 0.1 to 1 percent all-in, against its stated benchmark of 3 to 5 percent for traditional bank wires, with settlement of under 60 minutes against a 2 to 5 day SWIFT baseline. Both figures come from Netaro's own product documentation and have not been independently audited.

Live Corridors and Expansion Roadmap

As of mid-2026, Netaro supports two live corridors: USD, USDC, and USDT into Philippine Peso and UAE Dirham. The company targets US enterprises with recurring supplier relationships in the US-APAC and US-Middle East corridors, naming pharma, manufacturing, and IT services as its primary verticals.

A Q4 2026 expansion is planned for Malaysian Ringgit, Singapore Dollar, Hong Kong Dollar, Thai Baht, Vietnamese Dong, Indian Rupee, New Taiwan Dollar, Euro, British Pound, Brazilian Real, Mexican Peso, and Colombian Peso, along with EURC on the stablecoin input side. No independent timeline confirmation for this roadmap is available.

ERP Connectors and Accounting Integration

Netaro connects to QuickBooks, Xero, Oracle NetSuite, SAP, Brex, and Slack as part of its current integration suite. Ramp, HubSpot, Stripe, and Microsoft Dynamics are listed as planned additions. The automatic ERP writeback means outbound payments generate matching journal entries without manual data entry, which the company positions as the primary enterprise compliance benefit over legacy wire processes.

Each payment record carries its purpose, approval authority, and supporting evidence within the transaction itself. The stated aim is to produce an audit trail that corporate finance teams can surface directly in their existing accounting systems without additional reconciliation work.

Agentic Settlement Layer

Netaro provides an API-driven settlement layer designed for machine-to-machine use. According to the company's product documentation, this programmable interface allows autonomous AI agents to pre-clear compliance requirements, execute procurement actions, and settle trades without human intervention in the payment loop. The human approval steps can be configured to occur upstream, with the agent executing once authorization is already granted.

This layer positions Netaro in the emerging AI agent payment infrastructure space, where the ability to transact programmatically on behalf of autonomous systems is a growing design requirement.

Compliance and Security

Netaro is a FinCEN-registered Money Services Business operating under a BSA/AML compliance program. The platform has completed a SOC 2 Type I audit; a Type II examination is underway. Data is encrypted in transit and at rest, with role-based access controls governing internal permissions.

No third-party smart contract or cryptographic security audits have been publicly disclosed. The company's compliance disclosures focus on its MSB registration and SOC 2 status.

Team and Funding

Netaro was founded in November 2025 and is operating with a two-person founding team. Names have not been disclosed in publicly available materials. As of mid-2026, the company had not raised an external funding round according to Tracxn, and was actively recruiting for founding engineering and compliance roles.

The tech stack is built on Python 3.13 and FastAPI on the backend, Next.js 14 with TypeScript on the frontend, and deployed via AWS ECS Fargate with infrastructure managed through Terraform.

Tokens

Netaro has no native token. The platform uses USDC and USDT as internal settlement rails, but does not issue or require customers to hold any protocol-specific asset.

Solana Ecosystem Fit

Netaro's stablecoin settlement rails align with Solana's position as a primary settlement layer for USDC and USDT volume. The platform's model, using stablecoins as invisible clearing infrastructure behind a fiat-facing enterprise product, reflects how several Solana-native payment projects have approached enterprise adoption: abstracting on-chain mechanics while capturing the speed and cost advantages of programmable settlement.

The agentic payment layer is directly relevant to Solana's push into AI agent infrastructure. The Foundation has highlighted programmable payment rails as a core use case for autonomous systems operating in commerce, and Netaro's M2M settlement API targets precisely that pattern.