Apply for a BrikFi Business account. Shop and pay operational bills like normal, turn daily expenses into institutional-grade collateral on auto-pilot, and unlock low-rate lines of credit underwritten by the neighborhood that supports you.
See exactly how BrikFi for Business replaces legacy corporate banking with a platform engineered for growth.
| Feature | Traditional Corporate Banking | BrikFi for Business |
|---|---|---|
| Interest Rates | Prime + 2% to 6% Variable | Prime + 0.75% – 4.75% |
|
Funds Availability
i
Funds Availability Disclosures: Real-time clearing speeds are executed natively across protocol nodes. Settlement timelines may default to traditional 2–5 business day ACH floats if your external transaction counterparty, vendor, or bank is not operating directly on native WaveCollapse network rails. |
2 to 5 Business Days (ACH) | Real-Time via WaveCollapse |
| Collateral Building | Locked Cash Reserves Required | 1% Auto-Compounding Rewards |
| Monthly Maintenance | $15 to $50 Base Fee | $0 — Zero Fees, Period |
Three phases turn your operational cost center into a compounding capital engine.
Everyday operations build real-world collateral. Pay suppliers and utilities with the BrikFi Business Card to programmatically generate utility reward tokens on auto-pilot.
Convert rewards into active borrowing power. Your accumulated platform tokens serve as living collateral within a secure digital vault, opening immediate access to low-interest lines of credit.
POST /v1/settlements 200 OK
{
"rail": "wavecollapse",
"amount": 12500.00,
"metadata": {
"purposeCode": "CORP",
"creditorLEI": "98450073...92"
},
"status": "settled_realtime"
}Take control of your payment infrastructure. Choose to run a Facilitator or Validator node—either way, BrikFi helps configure your instance onto the open WaveCollapse network cleanly in minutes.
* You retain 100% exclusive administrative control over all cryptographic private signature keys. BrikFi provides software setup assistance only.
Every feature is architected for institutional efficiency, regulatory compliance, and community-driven growth.
Living LTV limits scaling from 50% up to 75% based on account tenure and performance. Platform transaction data works alongside standard external credit verification and KYB checks to protect network integrity while maximizing your business's true borrowing capacity.
Welcome a true return to community banking. Registered $BRIK and $BRIK-S holders can actively voice their support for your physical expansion plans, giving your company a built-in base of vested neighborhood patrons who are financially incentivized to champion your long-term success.
No administrative lockups, hidden ACH transaction fees, or statement access charges. Your operational capital stays exactly where it belongs — in your business.
Operational capital moves at the speed of code. Software-defined transaction settlement eliminates the 2–5 day ACH float, unlocking instant vendor payments and receivables reconciliation.
Submit your corporate profile below to secure priority positioning in our business banking program.
We'll reach out with priority access details when business accounts open. Check your inbox for confirmation.
Please try again or contact support@brikfi.com.