"What do I get?" is the fairest question anyone can ask a platform, and it deserves a straight answer rather than a feature list. Here is what sits inside a SUPA business unit, and what does not.

What is included

A unit brings the main financial building blocks of a cross-border operation into one perimeter:

  • Accounts and currencies. Around ten currencies within the unit.
  • FX. Conversion inside the perimeter, with internal FX where offsetting flows allow.
  • Payouts. Sent on local rails.
  • Cards and card acceptance. Provided through licensed partners.
  • Reporting and documents. Signed, verifiable documents and per-unit reporting.
  • Policy. Limits, approved counterparties and approval thresholds applied below the model.

The aim is not to be the cheapest line item. It is to remove the seams — the places where a transfer leaves one vendor and arrives in another with nobody owning the whole picture.

What is not included

Two points are stated plainly because they matter. First, before SUPA holds a banking licence, it does not take deposits or hold client money in its own name; balances sit with licensed partners. Second, a unit is not a replacement for regulated advice. Cross-border reliance is not permitted everywhere and local-law limits are checked per jurisdiction.

What it costs

Pricing in the first phase is public. An agent unit is $99 per year. A governance tier for companies with several agents and approvals starts from $500 per month. Platform embedding starts from $25,000 per year. For an operator running a business rather than agents, SUPA Business is $900 for the first year and $500 on renewal. The main revenue engine is the share of partner commissions on unit turnover, which means the incentive sits with keeping units active.

Who it suits

The fit is clearest for founders, sole traders and small companies that operate across borders, run more than one activity, or rely on agents to execute. The fit is weakest for anyone who needs a deposit-taking bank account in SUPA's own name today — that comes later in the roadmap.

This is general information, not legal, tax or financial advice.

In short:

  • One perimeter holds accounts, FX, payouts, cards and acceptance.
  • ~10 currencies, local-rail payouts, cards via licensed partners.
  • Balances sit with licensed partners; SUPA is not yet a bank.
  • Public pricing: agent unit $99/yr; governance from $500/mo; embedding from $25,000/yr.

Check current plans: pricing.