Stifel invests in MeowStifel invests in Meow and brings it to Stifel Bank's commercial clients

Digital banking thatcompetes with the best.

Give your business clients the banking, cards, and bill pay they'd otherwise leave for Mercury, Brex, and Ramp, under your brand, with deposits on your balance sheet.

Talk to our bank team See the platform

Your brand, live

Enter your bank's website.Watch Meow become yours.

Next-gen expense management, bill pay, invoicing, treasury management, cards, and more. All in your brand, issued by your bank.

Good morning, Dana!

Actions DepositSend money

Total balance

$3,476,982.14

Money in

$1.9M

Money out

-$1.5M

Total earnings

$11,247.86

1W1M3MYTDMTDAll Time

Jul 8Jul 20Aug 1Aug 13Aug 25Sep 6Sep 18Oct 1Oct 8

Money In

$1,862,410.75

Top sources

ACH credit · WALMART INC AP

$428,600.00

Incoming wire · TARGET CORP

$312,450.00

Lockbox deposit · Batch 0912

$248,900.00

Transfer from ••4417

$186,725.40

Money Out

-$1,537,206.33

Top spend

Rippling · Payroll

-$396,240.18

Shell Fleet · Fuel

-$214,880.55

Transfer to ••6625 · Treasury

-$168,000.00

ACH debit · IRS USATAXPYMT

-$121,452.70

9:41

Northwind Logistics

•••• 4570

Done

Branded onboarding and KYB, live on your domain

Bill pay, cards, and payments on your rails

Treasury, sweeps, and stablecoin rails

Agentic banking capabilities for onboarding, banking, and more

Give your clients a reason to stay.Make your bank the obvious choice.

Step 2 of 4

Everything your clients need, under your name.

Accounts, onboarding, payments, cards, and treasury. One platform, one login, your brand on every screen.

Step 2 of 4

Your brand from the first click.

Clients apply on your website, with your logo and colors on every step.

KYB in one sitting.

Registry, owners, and sanctions checks run while they type.

Your disclosures, built in.

Account agreements and e-sign consents in your words, signed in the flow.

Bill pay

Bill pay, in your brand.Paid from your bank.

Your clients' bills, approvals, and payments run in your bank's own bill pay. Every bill is paid from checking at your bank on its due date, so the float stays with you.

Bill Pay

SettingsRecurring billsNew bill

Overdue

1 bill

$2,140.00

Due in 7 days

3 bills

$48,210.00

Due later

4 bills

$32,830.00

Total to pay

8 bills

$83,180.00

Overview11

Drafts7

For approval

For payment2

History

Search bills...FiltersStatusVendor

Vendor

Status

Amount

Due date

Payment method

Payment date

Invoice date

FedEx Freight

Draft

$21,400.00

Oct 28, 2026

ACH

—

Sep 28, 2026

WeWork

Draft

$18,750.00

Nov 1, 2026

Wire

—

Oct 1, 2026

Gusto

Draft

$8,060.00

Nov 1, 2026

ACH

—

Oct 2, 2026

Samsara

Paid

$12,300.00

Sep 16, 2026

USDC

Sep 16, 2026

Aug 17, 2026

Shell

Paid

$9,500.00

Sep 1, 2026

ACH

Sep 1, 2026

Aug 2, 2026

Uline

Paid

$6,880.00

Sep 1, 2026

Check

Sep 1, 2026

Aug 2, 2026

Verizon

Paid

$2,140.00

Aug 9, 2026

ACH

Aug 9, 2026

Jul 10, 2026

Ryder

Paid

$4,150.00

Jul 7, 2026

USDT

Jul 7, 2026

Jun 7, 2026

Stifel's brand, Stifel's platform
Bills, vendors and payment details live in the bank's own bill pay. Nothing sits with a third-party bill pay app.
Any rail, bill by bill
ACH, wire, check, SWIFT in EUR, GBP and CAD, or stablecoins like USDC and USDT. The client picks the rail for each bill.
Drafts, approvals, payments
Forwarded bills are read and filled in as drafts, then move through the client's own approval rules before anything is paid.
Paid on the due date
Each bill leaves Northwind's checking at Stifel when it's due, not days early through an outside app.

Cards and expenses

Charge cards in your brand.On your BIN, on your books.

Virtual and physical cards with spend rules on every swipe, and receipts and expenses in the same app. Interchange stays with your bank, not a fintech's.

Travel card · Priya Shah

Active

Works at

Per-purchase limit

Next purchase

United Airlines · $3,120.00

Swipe to test the card against its rules

Spend controls on every card

Clients decide where each employee's card works and how much each purchase can be. Every swipe is checked against those rules in real time.

Expenses · October

Delta Air Lines

Receipt matched · Travel

$1,284.20

Shell Fleet

Receipt matched · Fuel

$412.66

Staples

Receipt needed · Office

$96.40

Expense management with receipt matching

Policies, receipts, and coding in the same app as the card, synced to QuickBooks, Xero, NetSuite, and more.

Invoicing

Get paid at your bank.Not through another vendor.

Clients send invoices from the same app they bank in, and their customers pay them by ACH, card, or stablecoins, straight into checking at your bank.

Customers pay by ACH, card, or stablecoins
Every payment lands in checking
No receivables vendor to contract

Invoice 1042 from Northwind Logistics

$18,400.00

Due Nov 15

Freight, Chicago to Dallas · 12 loads$18,400.00

Deposits toStifel checking ••4417

Stablecoins

Where the dollars sitdecides whose deposit it is.

If a client can't use stablecoins at their bank, they wire dollars to an exchange or a fintech to get them, and the deposit leaves with them. Through your bank, the dollars stay in checking until the moment they move.

Outside your bank

Left at Stifel after the client wires its dollars to an exchange to buy stablecoins.

Through your bank

$500,000

Still at Stifel. The client sends and receives stablecoins straight from checking.

Send stablecoins

FromChecking ••4417$250,000.00

To0x8f3a…c21b250,000 USDC

Send stablecoins

Clients pay vendors and partners in USDC or USDT straight from their checking account.

Received in stablecoinsChecking ••4417

Atlas Freight Co.120,000 USDC · 2m ago+$120,000.00In checking

0x71bd93e4…c08f2a1748,500 USDT · Today+$48,500.00In checking

Harbor & Pine LLC15,250 USDC · Yesterday+$15,250.00In checking

Credited as dollars

Receive stablecoins as dollars

Customers pay in USDC or USDT and it lands in checking as dollars, so the deposit stays on your balance sheet.

Agentic banking, live inside Claude and ChatGPT

Your bank gets its own MCP server, so your clients can connect Claude, ChatGPT, and other agents to run their finances, within limits they set and you can see.

Stifel · MCP

Compliance

Onboarding and compliance,automated by AI agents.

AI agents onboard, monitor, and review every client on your policies, around the clock. Your team steps in where you want a human in the loop.

One console for every client

Every client, account, and application in one table, in your brand, with ⌘K to find any of them.

Entities

Browse and manage all entities in the database

Search entities...FiltersStatusBank accountOnboarding TypeView

Business Name Entity ID StatusCreated on

Northwind Logistics LLC46429OnboardingOct 28, 2026, 3:51 PM

Cedar Ridge Fund II LP46428ActiveOct 28, 2026, 3:49 PM

Atlas Marine Supply Co46427OnboardingOct 28, 2026, 3:21 PM

BBrightwater Dental Group46426ActiveOct 28, 2026, 3:18 PM

Harborview Capital Partners46425OnboardingOct 28, 2026, 2:51 PM

Kestrel Ventures Mgmt LLC46424AppliedOct 28, 2026, 2:48 PM

SSummit Peak Roofing Inc46423OnboardingOct 28, 2026, 2:21 PM

BBayline Foods LLC46422ActiveOct 28, 2026, 2:01 PM

Ironwood Analytics Inc46421OnboardingOct 28, 2026, 1:52 PM

Larkspur Holdings LLC46420OnboardingOct 28, 2026, 1:13 PM

Redwing Freight Co46419ActiveOct 28, 2026, 1:05 PM

SSilverline Labs Inc46418OnboardingOct 28, 2026, 1:01 PM

Oakmont Property Group46417ActiveOct 28, 2026, 12:44 PM

TTidewater Supply LLC46416OnboardingOct 28, 2026, 12:30 PM

Rows per page25 1 of 193Showing 1–25 of 4,812 rows

Agentic onboarding

Your policy, your questions, and AI agents run the rest. You set the form and the policy; AI agents screen, route, and recommend on every application.

Due diligence formMoney services

Is the business a money services business?

Because they answered yes

Upload your FinCEN MSB registration PDF

Which states are you licensed in?

14 questions · 3 triggers2 follow-ups shown

Your questions, your triggers

Choose what your due diligence form asks. A yes to one question can open the next, so each client answers only what applies to them.

Commercial account policyPDF · 42 pages · uploaded today

4 checks found in your policy

Verify every owner over 25%§2.1

Screen for sanctions§3.4

Activity fits the industry§4.2

Decline restricted industries§5.0

Run on every application

Your policy, turned into checks

Upload your policy as it's written. AI agents pull out what it requires and check every application against it.

Fraud screeningToday

Apex Global Trading LLCDevice used on a denied applicationHeld

Quickstart Ventures IncForm filled in like a botHeld

Harborview Capital PartnersNo rules hitTo review

26 held in quarantine this week

Fraud caught before review

Your fraud rules run first. Hard hits wait in quarantine, so bots and repeat applicants never reach your team.

Routing rules4 active

Low risk, under $5M expected volumeApprove automatically

Money services or cryptoPriya Shah, BSA

Funds and SPVsFund banking team

Any fraud rule hitFraud quarantine

Applied to 218 applications this week

Only real cases reach your team

Route by risk, industry, or size. Clean files approve on your rules, and the rest go straight to the right analyst.

Agentic enhanced due diligence

For high-risk clients, the agent traces ownership, source of funds, and adverse media, and drafts a cited file. Your analyst signs it off.

Ownership traced to every owner
Source of funds and adverse media
A cited file, ready for sign-off

Confidential · BSA/AML

Enhanced due diligence file · Annual review 2026

Harborview Capital Partners

Delaware limited partnership · Case HV-0318

Risk rating: High

Layered ownership through a Cayman Islands holding company, and regular international wires.¹ Rated high under policy §6.2; enhanced monitoring continues.²

Contents

1 Ownership and control2

2 Source of funds3

3 Expected vs actual activity4

4 Adverse media5

Agent recommendation, for the analyst's decision

Keep the relationship, with enhanced monitoring.

Drafted by

Meow EDD agent

Oct 27 · 23 sources

Reviewed and signed, Oct 28

Priya Shah, BSA analyst

Drafted by the agent.Signed by your analyst.

1
A risk rating, with its reasons
Rated on your policy. Each reason carries a footnote to the document behind it.
2
Approved on your rules, or by your analyst
Turn on auto-approval and the agent approves files that meet your policy, at any hour. Or send every file to your analyst first.
3
Signed by your analyst
Priya Shah checks the 23 cited sources, then signs. Her decision goes on the case record.

Agentic transaction monitoring

Alerts fire on your thresholds. The agent pulls the activity, compares it to peers and the client's books, and recommends clear or escalate.

Rules on your thresholds
Agent research on every alert
Automated UAR submissions

The finding

On Priya's alert, with the agent's recommendation. She makes the call.

Alert 88207 · Transaction monitoring

Northwind Logistics

Activity fits a freight broker this size

Payments out go to carriers for linehaul and fuel, matching the invoices provided and the stated business.

Harlow invoice HF-20931p.1, line 1

Commercial account policy§4.2, p.3

Agent recommends clear. Priya Shah, analyst, decides.

ClearEscalate

The source

The client's own upload, opened to the exact page and line the agent read.

HARLOW FREIGHT CO.Page 1 of 1

Invoice HF-20931

Bill to Northwind Logistics. Issued Oct 14, due Oct 28.

#DescriptionAmount

1Linehaul, Dallas TX to Atlanta GA, 14 loads19,600.00

2Fuel surcharge1,400.00

3Detention, two stops400.00

Total due$21,400.00

Remit by ACH. Reference the invoice number with payment.

Uploaded by Dana Whitfield, CFOPage 1

The rule

The clause of your policy it was checked against, as your committee wrote it.

STIFEL BANKv2026.04

Commercial account policy

§4 Expected activity

4.1 The Bank shall record the customer's expected monthly volume and payment types at onboarding.

4.2 Expected volume and payment types shall be consistent with the customer's stated industry and size.

4.3 A material change in activity shall prompt a periodic review.

Approved by the Risk CommitteePage 3

Integrations

Works with the toolsyour clients already use.

Direct sync with QuickBooks, Xero, and NetSuite, bank feeds into the newer AI-native ERPs, and an MCP server and API for clients who automate.

QuickBooks

Direct sync

Xero

Direct sync

NetSuite

Direct sync

Rillet

Bank feed

Campfire

Bank feed

Puzzle

Bank feed

Plus Gusto, Rippling, Shopify, and thousands more through Plaid, Yodlee, and Finicity, so accounts at your bank work wherever your clients run their business.

AI agents

Claude, ChatGPT, and other agents connect through your bank's own MCP server, within limits your clients set and you can see.

POST /v1/payments

Developers

A REST API and webhooks for payments, accounts, and reporting, for clients that build on their bank.

Built on your charter, not around it.

Meow's software sits on top of your existing core. Accounts, ledgers, and compliance decisions stay at your bank.

Your business clients

For your clients

Branded appOnboardingBill payCardsMCP

For your bankers

Banker consoleMonitoringEnhanced due diligence

Your core

Your balance sheet

Your compliance team

Trusted at scale

Already running billionsfor thousands of businesses.

Meow runs the same platform head to head with Mercury, Brex, and Ramp every day. Your clients get what's already proven.

$Billions

Assets on platform

$Billions

Annualized payment volume

Thousands

Businesses with funded accounts through Meow

NYSE: SF

Stifel, strategic investor and launch bank

Our backers

Backed by Stifel, fintech VCs, and other global investment firms.

Archetype

The software factory for banks

Our software factoryruns 24/7.

Meow's agents build and test changes around the clock, and our engineers approve every one. Your platform gets better every day, not every quarter.

Cybersecurity

Our security

SOC 2 Type 2Service auditor report

Penetration testedExecutive report, 2025

InsuredCertificate of insurance, 2026

Encrypted everywhereAt rest and in transit

MonitoredAudit logs and incident response

Visit our trust center

Questions your committee will ask.

Banking is getting competitive.Give your clients a reason to stay.

See the client app, the admin console, and how Meow connects to your core in a 30-minute walkthrough.

Talk to our bank team