debit/credit card. They enjoy 3x higher yield vs. savings account. Users can earn interest income (higher vs. their bank) by staking their balances to be lent at affordable rates to merchants in the network (who enjoy lower rates vs. banks). We are creating a new way for merchants and retail investors to exchange capital, one that puts them at the heart of the transaction while undoing the frictions of the current system through new paradigms- borderless instant lending, zero fees, community-driven higher interest income on user staking and lower rates on merchant borrowing. Backed by Techstars & J.P.Morgan , Storspay is building the Stripe for cross-border retail lending to small businesses globally.