Four cards. One private-client platform. Beyond The Bank replaces the friction of a bank with an issuer-backed card, cold-storage custody, and access to a compounding capital program by application.
Every Beyond The Bank card is issued in partnership with Borderless Banking on Visa Infinite or Mastercard World Elite. The difference is not the network — it is the access, materials, and services that ship with it.
Cold-storage hardware wallets provisioned at account opening. Higher tiers add cold-storage wearable rings (Oura-form factor) for on-body access.
Regional banking access through our Bahamas partner. Streamlined onboarding, priority queues at higher tiers, and business-account support for Iron and above.
Every BTB card ships on your choice of Visa Infinite or Mastercard World Elite. Worldwide multi-currency conversion at network rates.
Funds are available on the card the moment they clear. No banking-hours settlement windows, no float held against your balance.
24/7 concierge on Seal — private jets, yachts, hotels, fine dining. VIP event invitations from Iron. Black Label ultra-exclusive access at the top.
Self-paced video library on Key. Bi-weekly group Zoom on Vault. 1-on-1 personalized training on Iron. 1-on-1 in-person crypto training on Seal.
Most private cards ask you to move money in. SEED is designed the other way: your allocated capital is placed in a professionally-managed AI trading program, profits compound during a fixed lock-up, and card costs are drawn from the program — not from your household or business capital.
Beyond The Bank is not a public product. Membership is by application, subject to KYC, source-of-funds review, and a suitability call with a private client officer.
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