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SpotPay

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Stablecoin Global Bank Account

Winter 2026Founded 20252 peopleSan Francisco, CA, USA
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Stablecoin NeobankTransactionalInternational money transfer users, freelancers, expatsHigh competition
Moat
Stablecoin rails (cost advantage); user experience and ease of onboarding; global compliance infrastructure; customer base.
Key risk
Regulatory uncertainty around stablecoins; competition from Wise, Remitly, and major banks; macro volatility in crypto.
Why now
Stablecoin adoption accelerating; CBDCs and tokenized finance momentum; cross-border payment pain points persistent.
Competitors
Wise, Remitly, Revolut, Flutterwave, PayPal (crypto features)

About

SpotPay is a global borderless neobank. We give users one account that works for everything payments related: receiving money from abroad, paying locally, spending anywhere with the SpotPay card and saving and earning on their balance.

Founders ยท 2

Zsika Phillip
Zsika PhillipFounder
GoogleStanford

Founder and CEO at SpotPay. Previously Lead Engineer at Google (Monetization, Cloud, YouTube). Zsika grew up between the Caribbean and Latin America and experienced firsthand how slow and unreliable it is to move money home and pay for everyday life. Growing up in the Caribbean, Zsika was a competitive track-and-field athlete, running against a then-up-and-coming Usain Bolt. His personal bests include 10.3 in 100M and 21.7 in 200M. Zsika got his MBA Stanford and CS Degree from Purdue.

Thomas Cesare-Herriau
Thomas Cesare-HerriauFounder
Google

Founder and CTO of SpotPay. 4th Engineer at Brex, I grew to Principal Engineer. Throughout the 6 years I led teams and departments across Financial Products and Platforms. I was at Google for a bit but it was too slow. On the plus side though, I met my future cofounder there! French.

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