Get paid. Keep it. Move it.
Collect rent, coaching fees and invoices without chasing people — then receive, hold and move the money with SEAM. One system for both sides of the payment.
Choose how you use SEAM.
Rent, fees and invoices — without chasing people.
- One permanent payment link per tenant or client
- Recurring requests that post themselves
- Reminders that go out in your voice
- Cash and Zelle payments recorded, so the ledger stays true
- Tax-ready history, kept for both sides
Receive it. Keep it. Send it.
- Get paid straight into SEAM
- Hold a dollar balance
- Send money home — amount and fee shown whole, first
- Carry payment and identity records you control
- Ask for help in your language, at any hour
Get paid without asking.
One link collects rent, coaching fees or invoices. SEAM handles the follow-up and keeps both sides on the same record.
Landlords
Rent requests go out automatically. Follow-ups happen without the awkward text.
Coaches
Collect monthly lesson or team fees from one permanent payment link.
Freelancers
Send an invoice once. SEAM handles the reminder and keeps the record.
Easy for the person paying, too. No app, no account, same link every month — nobody has to ask “what do I download?”
A wallet for what you earn.
Money that arrives somewhere useful — for people banks keep turning down.
Your records — what SEAM does and does not do
SEAM is a hub, not an issuer. Every credential in your file is issued and verified by the organisation named on it. SEAM stores it, shows its provenance, and presents it when you choose. Whether a credential is accepted is always up to the recipient.
- Show one field without revealing the rest
- Name who issued each credential, and when
- Export everything, any time
- Issue identity, or decide who you are
- Replace a passport, government ID, or any official document
- Receive any biometric data — it never leaves your device
- Put anything personal on a public network
Pilot notes — fees, agents and the 1% remittance tax
The 1% US remittance tax follows how a transfer is funded, not who sends it. Transfers funded from your SEAM balance or another qualifying digital method are outside that tax. Topping up with physical cash at an agent is a separate question — we are working it through with counsel and will publish the answer before agents go live, not after.
A US account and routing number is revealed only when your own phone confirms it's you. Planned for the pilot corridor; agents, stablecoins and direct deposit follow.
One payment. Both sides.
Collect finishes the job of getting paid. The wallet begins the job of keeping it. Collection is how money arrives; the wallet is where it lives — two pieces of cloth, one seam.
Help that can actually help.
The wallet's assistant doesn't wait to be asked the right question — it can explain, check, prepare and escalate. Chat is just the fallback underneath.
Explain
Understand a bill, a letter or a transaction — as a structured answer, not a paragraph.
Check
Scan a message or payment request for the signs of a known scam pattern.
Prepare
Set up a payment for you to review. It can never send — money moves only after you approve.
Connect
Bring in a person when AI isn't enough — in your language.
AI can be wrong, and it can never approve a payment for you. The same line sits on the screen itself, with the full honest version one tap behind it.
The honest version — what it does and never does
- Always tells you it is an AI
- Says when it is unsure, and when a question needs a person
- Watches for scams and account takeover — before a transfer leaves and after it lands
- Can pause a payment, or ask you to confirm on another device
- Approves a payment — it can only pause one
- Trains SEAM's AI on your conversations or your money
- Sells your data
- Claims to be a human
It is in beta and not live yet — it will miss things and flag things that were fine. Treat it as a second pair of eyes, not a guarantee. For anything about immigration status, a court date, a medical bill or a locked account, ask for a person as well; in the pilot a SEAM caseworker answers in your language.
When money can't wait.
SEAM is designing a community-backed Fund: emergency support with no interest and no fees, refilled by the people it helps — when they are able. Its exact legal form is being settled with counsel before the first dollar moves.
Seeded with a $100,000 founder commitment — transferred the day the mission-locked entity exists — and recorded on a public, living ledger that carries no names and no places.
Trust, by construction.
Five of these promises are drafted into the charter of SEAM's mission-locked entity — free receiving, full export, falling fees, nothing sold, and an identity layer that escrows to an independent foundation if SEAM is ever acquired.
Somebody has to be accountable for it.
Fifteen years building payments products — most of it on the rails this one needs.
Built the cash-in and cash-out network behind Stellar's Vibrant wallet — 180+ countries, MoneyGram and regional agents — and ran the compliance programmes underneath it. Before SEAM: $4.5M in aid delivered to displaced people, with UNHCR and the IRC. Earlier: Alipay North America, Fiserv/Clover, American Express, Deloitte.
See it for yourself.
No signup. No download. Sample data. Try both sides of a payment.
On a laptop? Scan to open the wallet demo on your phone. Payments in the live build stay in demo mode until a licensed payment partner is connected.
I send money home — join the pilot
Twenty families, one corridor, hand-held by us: flat fee, no cash tax, and someone to call who answers. First corridors under evaluation: Guatemala · Honduras · Haiti · Venezuela.
Join the pilot — email usThe pilot list is an inbox today — you'll get a reply from the founder, not a robot. We'll only ever email you about the pilot. No lists, no partners, no noise.