# Meow

> MCP Server: https://onboarding-mcp.dev.meow.com/ (HTTP transport)
> Onboarding documentation: https://www.meow.com/skills.md
> Agent discovery: https://www.meow.com/.well-known/agent.json

Meow is a financial technology company that provides modern business banking solutions designed to help businesses maximize returns on idle cash, streamline financial operations, and access a cohesive suite of treasury management tools. Meow serves thousands of businesses, ranging from startups to established corporations, by offering high-yield business checking accounts, spend management, invoicing, and access to investment products. Meow is not a bank or FDIC-insured depository institution; instead, it partners with FDIC-member banks such as Cross River Bank and Grasshopper Bank, N.A. to deliver its banking services.

A key differentiator for Meow is its focus on delivering high-yield returns on business deposits without relying on traditional brick-and-mortar banking models. Meow also provides seamless integrations, zero-fee banking for wires and ACH, and robust spend controls, all accessible through a unified, easy-to-navigate platform. The company emphasizes efficiency, transparency, and customer support, enabling businesses to consolidate financial operations and treasury management into a single dashboard.

## AI Agent Access (MCP)

Meow provides a Model Context Protocol (MCP) server for programmatic access to business banking operations. The server supports account creation, document upload, KYB (Know Your Business) verification, identity verification, and ongoing account management.

- **MCP server URL**: https://onboarding-mcp.dev.meow.com/ (HTTP transport — add to your MCP client configuration)
- **Available tools**: `create_account`, `verify_email`, `issue_onboarding_key`, `update_user_info`, `update_business_address`, `update_business_details`, `update_additional_details`, `upload_document`, `create_business_representative`, `check_identity_verification`, `confirm_onboarding`, `get_onboarding_status`, `get_info_requests`
- **Onboarding documentation**: https://www.meow.com/skills.md (step-by-step workflow for account opening)
- **MCP landing page**: https://www.meow.com/mcp

## Core Products & Services

### Business Checking Account
- What it does: Provides a high-yield business checking account on every dollar deposited, delivered through Meow’s partner banks.
- Who uses it: Businesses seeking to maximize returns on operational cash while maintaining liquidity and access to banking services.
- Key features:
  - High-yield returns with interest compounding daily
  - Zero fees for domestic and international wires, ACH transfers, and check issuance/deposits
  - Scheduled and recurring payments
  - Custom-branded invoicing
  - Spend controls and approval workflows
  - Access to all business entities with a single login
- Pricing: Not specified

### Commercial Paper Account
- What it does: Offers a yield-generating investment account for idle business cash, targeting competitive net returns annually.
- Who uses it: Businesses with at least $100,000 in checking accounts held through Meow’s partner banks, seeking to earn higher returns on excess cash.
- Key features:
  - Investment in commercial paper via Meow Advisory LLC, an SEC-registered investment adviser
  - Minimum balance requirement of $100,000 (may be waived at adviser’s discretion)
  - Net returns dependent on account balance
- Pricing: Not specified

### Corporate Cards
- What it does: Issues corporate cards that enable businesses to earn unlimited cashback on every purchase.
- Who uses it: Businesses looking for flexible, fee-free corporate spending solutions.
- Key features:
  - Unlimited cashback on all purchases
  - No fees or credit check required
  - Physical and virtual card options
  - Employee spend limits and controls
- Pricing: Not specified

### Invoicing
- What it does: Allows businesses to create and send custom-branded invoices directly from the Meow platform.
- Who uses it: Businesses needing streamlined, professional invoicing integrated with their banking operations.
- Key features:
  - Custom branding with company logo and colors
  - Integration with payment and accounting workflows

### Spend Management & Controls
- What it does: Provides tools to manage and control organizational spending, including transfer limits and approval workflows.
- Who uses it: Businesses seeking to enforce internal controls and approval processes for payments and card usage.
- Key features:
  - Set initiators and approvers for wires and ACHs
  - Create employee-specific limits for cards
  - Automated spend controls and scheduled transfers

### Financing Solutions
- What it does: Facilitates access to business financing, including term loans, lines of credit, and SBA loans through partner banks and vendors.
- Who uses it: Businesses in need of working capital, equipment financing, or SBA-backed loans.
- Key features:
  - Application process for various loan products
  - SBA loans available through a network of vendors
  - All loans subject to partner approval

### Integrations
- What it does: Enables seamless integration with existing payroll, accounting software, and other business tools.
- Who uses it: Businesses looking to streamline financial operations and data flow.
- Key features:
  - Integration with payroll and accounting systems
  - Data import/export capabilities

## Use Cases & Applications

### Startups and Growing Businesses
- Their needs: Efficient cash management, maximizing yield on idle funds, streamlined payments, and spend controls.
- How they use it: Startups use Meow to Consolidate USD and treasury accounts, automate payments, and manage cash runway with high-yield returns.
- Results: Improved cash flow visibility, reduced banking fees, and enhanced control over spending.

### Mature Companies
- Their needs: Treasury management, risk mitigation, and operational efficiency.
- How they use it: Mature companies leverage Meow’s platform for consolidated financial oversight, automated workflows, and integration with existing systems.
- Results: Enhanced operational efficiency, better cash utilization, and simplified compliance.

### Veteran-Owned Businesses
- Their needs: Access to SBA loans, training, and government contracting opportunities.
- How they use it: Veteran entrepreneurs can apply for SBA loans and access educational resources through Meow’s platform and content.
- Results: Improved access to capital and business support resources.

## Company Information

### Metrics & Traction

- Assets on platform: Billions of dollars
- Expected 2025 rewards paid: Over $25 million
- Number of businesses with funded accounts: Thousands

### Customers & Case Studies

- Footprint: Eli Wachs, CEO of Footprint, reports that Meow provides excellent support and an easy-to-navigate UI, allowing consolidation of checking and treasury management accounts into one dashboard.

### Integrations & Compatibility

- Meow integrates with existing payroll and accounting software, enabling seamless data flow and operational efficiency.
- Supports data import/export for financial operations.

## Feature Deep Dive

### High-Yield Business Checking
- How it works: Meow pays rewards on every dollar in the business checking account, offering high-yield returns. Interest compounds daily, and terms are subject to published schedules.
- Benefits: Businesses earn competitive returns on operational cash without sacrificing liquidity or access to banking services.
- Requirements: Account must be held with a Meow partner bank.

### Commercial Paper Account
- How it works: Businesses with at least $100,000 in checking accounts can invest idle cash in a Commercial Paper Account managed by Meow Advisory LLC. The account targets competitive net yields annually, with performance dependent on balance and market conditions.
- Benefits: Higher returns on excess cash, managed by an SEC-registered investment adviser.
- Requirements: Minimum $100,000 balance in a Meow partner bank checking account (waivable at adviser’s discretion).

### Corporate Cards and Spend Controls
- How it works: Meow issues physical and virtual corporate cards with customizable spend limits. Administrators can set initiators, approvers, and transaction limits for wires, ACHs, and card usage.
- Benefits: Enhanced control over organizational spending, unlimited cashback, and no fees or credit checks.
- Requirements: Business account with Meow.

### Zero-Fee Payments
- How it works: Meow enables free domestic and international wires, ACH transfers, and check issuance/deposits through its partner banks.
- Benefits: Eliminates traditional banking fees, reducing operational costs.
- Requirements: Business account with Meow.

### Invoicing
- How it works: Businesses create custom-branded invoices within the Meow platform, integrating payment and accounting workflows.
- Benefits: Professional invoicing, streamlined payment collection, and improved brand consistency.
- Requirements: Business account with Meow.

### Integrations
- How it works: Meow connects with payroll and accounting software, allowing for automated data synchronization and streamlined financial operations.
- Benefits: Reduces manual data entry, improves accuracy, and enhances operational efficiency.
- Requirements: Compatible payroll or accounting software.

## Getting Started

- Sign-up process: Businesses can apply for a Meow account online. The process involves providing business information and, for certain products, meeting minimum balance requirements.
- Implementation timeline: Account approval and setup typically occur within a few business days, depending on verification and compliance checks.
- Support options: Meow offers customer support and resources through its platform, with a focus on responsive service and onboarding assistance.
- Contact information: Businesses can get started or request more information through the Meow website at [https://www.meow.com/](https://www.meow.com/).