One account for client
retainers & freelancer payouts

Bill clients in USD, GBP & EUR, pay freelancers & vendors in 160+ countries, same-day at a flat 0.5%.

Backed by the best

XRP Ledger500 Global · SanabilIterative

Trusted partners

Sumsub
Solana
Ethereum
Tron
Tether
Ripple
Circle
Dynamic
dfns
Comply Advantage
Lead Bank
Visa
Signzy

Where agency margin
disappears

Between the client and the talent, project margin leaks twice. Here is where.

Retainer in, freelancers waiting

The client paid on the 1st. The wire clears on the 4th at the bank's rate, and your editors invoiced you on the 3rd.

Two conversions per project, both taxed

Money converts once coming from the client and again going to talent. At 2.5% a hop, 5% of the project never touches the work.

Client money and media spend in different worlds

Billing in one tool, freelancer payouts in another, ad accounts on a founder's card. Nothing maps back to the project.

One platform, from the
brief to the payout

Five steps from brief to payout. Every project on one ledger.

Collect client retainers

Local USD, GBP and EUR details on the invoice, retainers land same-day.

Hold until talent invoices

Client money sits as digital dollars, earning, until freelancer payouts are due.

Convert once, not twice

A flat 0.5% at mid-market, one hop instead of two taxed ones.

Pay freelancers anywhere

160+ countries on local rails, the whole roster batched in one run.

Spend on media

Meta and Google Ads on Visa cards with per-team limits.

Keep the double conversion out of your projects, and pay talent the day the client pays you.

Why agencies trust Endl for payments

From client retainers to freelancer payouts, agencies use Endl to bill and pay across borders without losing margin.

Claire Dubois
Claire Dubois
Founder, creative agency

We bill international clients in dollars and pay our freelancers in their local currency, all from one account.

Victor Manrique
Victor Manrique
Founder, performance marketing agency

We work with clients across four continents. Endl is the only account that keeps up with that.

Samuel Okafor
Samuel Okafor
Finance lead, digital marketing agency

Retainers used to sit for days before we could pay our contractors. Now the whole cycle is same-week.

Tara Lindqvist
Tara Lindqvist
Finance manager, content agency

Paying 20 freelance writers across countries used to be a full day of admin. Now it's an afternoon.

Isabelle Novak
Isabelle Novak
Operations director, branding agency

Cards for the team's software subscriptions, no more expense reports for tools nobody remembers approving.

Owen Baptiste
Owen Baptiste
CEO, design agency

Client payments land in full. No explaining to my team why a wire came in short.

One account. Collect everywhere.
Spend anywhere.

Receive payouts from your sales channels directly into Endl. Use your Endl card to pay for everything your business needs.

Collect
Stripe
Bill.com
QuickBooks
Upwork
Fiverr
Endl mobile dashboard
Spend
HubSpot
Google Ads
Meta
AWS
Alibaba

Built for teams who
move money every day

The numbers that make a real difference to your margins and cash flow.

24/7Instant settlement

Move money any day, any hour. Legacy rails take 1–3 business days.

0.5%One flat fee

Not the 3–5% all-in that FX markup and correspondent fees add up to.

160+Countries, 40+ rails

Pay almost any supplier, almost anywhere, the way they want to be paid.

Built on compliance infrastructure

Operating under licensed VASP and MSB frameworks across the EU and Canada, with India, ADGM and Vietnam in progress.

Yield on balancesComing soon

Idle dollars keep working for you between restocks.

Corporate cards built in

Fund ad spend and expenses without leaving the platform.

Operates inside
regulated money flows

Licensed infrastructure, full compliance stack, no bank surprises.

EU · CA
Licensed infrastructure

Live in the EU and Canada. India, ADGM and Vietnam in progress.

GDPR · SOC 2
Data privacy

Your business data and transaction history are encrypted and never sold or shared with third parties.

KYB · KYC · AML
Full compliance stack

Onboarding, AML screening, transaction monitoring and wallet monitoring throughout.

Questions agency teams ask

Add the freelancer as a recipient once, then pay them in their local currency on local rails in 160+ countries. Payments settle same-day at a flat 0.5%, and a whole roster can go out in one batch.

Yes. Hold digital dollars between billing and payout, earn on the balance, and convert only when you pay, at the mid-market rate.

No. They receive a normal local bank transfer in their own currency. Nothing changes on their side except how fast the money arrives.

Yes. Issue Visa cards with per-team limits for media buying, so ad spend is capped and tracked while payouts run from the main balance.

Ready to stop losing
margin to the gaps?

One account. Every currency. Open in under 24 hours.