001 · v2.0 Frontier finance Worldwide  Building

A financial services
company for eveRyone
the system left out.

Brown — a worldwide financial infrastructure for frontier workers
●  Frontier finance · worldwide From first paycheck to retirement
Live product
Tesha

Income-based card for gig & last-mile drivers.

First product on the Brown rails →

Frontier rails
Credit,
cards, cover

One stack, many products.

Worldwide
Frontier
markets

Wherever the old rails stop.

Our belief

Be there for frontier folks from first paycheck to retirement — with reimagined products for a new world.

Brown builds frontier financial products for the people banks won't underwrite, the markets insurers won't price, the incomes lenders can't see. Gig workers are not financially risky — they are financially invisible. We build the infrastructure that makes them visible.

Partner with us See what we build →
Manifesto

We're a scrappy, contrarian team building the financial products nobody else has the guts — or the appetite — to build. We want to be there for frontier folks from first paycheck to retirement — with reimagined products for a new world. Inclusion at the core. Everything else follows.

Brown Financial Services · Est. 2024
02 — Frontier

Four frontiers. One belief.

Every Brown product starts where the traditional system stops. We build for populations that incumbents treat as unbankable, uninsurable, unprofitable — and prove them wrong with the numbers.

STACK STATUS › L1 RAILS · L2 CREDIT · L3 SHIELD · L4 SETTLEMENT ALL SYSTEMS NOMINAL
L1 · EMBEDDED RAILS ACH·WIRE·SWIFT ISO 20022 12.4K TXN/S ROUTING ✓ API v3.1 BATCH 3/3 LEDGER SYNC 0.003s LAT RECONCILE ✓
01 / 04

Embedded finance

We go where money moves — driver apps, payroll runs, fleet spreadsheets. One set of rails, many points of contact.

CardsAPIsPayouts
TX_ID: 0x8f3a · ACH ✓ · 12,847 TXN/S · ROUTING ✓ · ISO 20022 · WIRE ✓ · 0.003s LAT · BATCH OK · API v3.1 · LEDGER SYNC · SWIFT ✓ · NODE UP · CLEARING ✓ · FED WIRE · SEPA OK ·     TX_ID: 0x8f3a · ACH ✓ · 12,847 TXN/S · ROUTING ✓ · ISO 20022 · WIRE ✓ · 0.003s LAT · BATCH OK · API v3.1 · LEDGER SYNC · SWIFT ✓ · NODE UP · CLEARING ✓ · FED WIRE · SEPA OK ·     
L2 · INCOME CREDIT SCORE 741↑ DTI 28% FICO DELTA INCOME ✓ PAYROLL 2W APR 9.4% MODEL v7 RISK LOW LIMIT +$500
02 / 04

Credit for invisible incomes

No FICO. We underwrite against live payout feeds — sizing credit to the income itself, not a bureau score.

Income-linkedReal-time risk
SCORE: 741↑ · DTI: 28% · APPROVED ✓ · LIMIT +$500 · APR 9.4% · INCOME VRF ✓ · MODEL v7 · PAYROLL 2W · RISK: LOW · FICO DELTA · UNDERWRITE ✓ · BUREAU: PASS · OFFER LIVE ·     SCORE: 741↑ · DTI: 28% · APPROVED ✓ · LIMIT +$500 · APR 9.4% · INCOME VRF ✓ · MODEL v7 · PAYROLL 2W · RISK: LOW · FICO DELTA · UNDERWRITE ✓ · BUREAU: PASS · OFFER LIVE ·     
L3 · RISK SHIELD COVERAGE 94% CLAIM 0 PREMIUM $8 RISK SCORE A FRAUD 0.00% LIVE POLICY KYC PASS ✓ AML CLEAR ID VERIFIED
03 / 04

Insurance at the edge

Micro-cover priced per ride, per shift, per parcel. Policies in cents — not monthly premiums that exclude the informal worker.

Per-eventMicro-policies
COVERAGE: 94% · CLAIM: 0 · KYC PASS ✓ · AML CLEAR · ID VRF ✓ · PREMIUM $8/MO · RISK: A · FRAUD: 0.00% · POLICY LIVE · SHIELD OK · REINSURED · MONITOR ON ·     COVERAGE: 94% · CLAIM: 0 · KYC PASS ✓ · AML CLEAR · ID VRF ✓ · PREMIUM $8/MO · RISK: A · FRAUD: 0.00% · POLICY LIVE · SHIELD OK · REINSURED · MONITOR ON ·     
L4 · SETTLEMENT SETTLED ✓ T+0 INSTANT USD→NGN FX 1549.2 SPREAD 0.1% CLEARED NETTING ✓ BATCH DONE AUDIT LOG
04 / 04

Payments & remittances

Domestic and cross-border rails, stablecoin-ready. Built for workers who send money home every week at a fraction of today\'s fee.

Cross-borderStablecoinSettlement
SETTLED ✓ · T+0 INSTANT · USD→NGN · FX: 1,549.2 · SPREAD: 0.1% · CLEARED · NETTING ✓ · AUDIT LOG · BATCH DONE · RAILS ✓ · CONFIRM OK · USD→KES · FX: 138.4 · REMIT OK ·     SETTLED ✓ · T+0 INSTANT · USD→NGN · FX: 1,549.2 · SPREAD: 0.1% · CLEARED · NETTING ✓ · AUDIT LOG · BATCH DONE · RAILS ✓ · CONFIRM OK · USD→KES · FX: 138.4 · REMIT OK ·     
03 — How we operate

Three rules. We don't break them.

A different kind of financial services company needs a different kind of operating code. These are the three things every Brown product has to answer to before it ships.

Rule 01

Inclusion first. Always.

If the product can only serve people the old system already served, we don't build it. The default user is the person a traditional bank rejects — everyone else is a bonus.

Rule 02

Take the risks nobody else will.

We underwrite the incomes, geographies and use-cases that make incumbent credit committees flinch. Frontier means pricing what others refuse to look at — and getting the math right.

Rule 03

Ship cents, not slideware.

No pilots that never leave PDF. Every primitive has to live in a real product, with real money moving, or it doesn't count. The first product is already out there — more are in the oven.

04 — Products

One live. More in the oven.

We launch each primitive as a product where a worker need is obvious and the incumbents have walked away. Every product is both a proof and a new data feed back into the core.

Live
Tesha

An income-based fuel card for gig and last-mile drivers. Credit sized to verified earnings, with limits that climb and fees that fall as drivers graduate. The first product on the Brown rails.

Card · Credit · Rewards tesha.finance →
Worldwide · frontier finance

The frontier isn't one market. It's most of them.

Gig and informal work is where most of the world's new income is being earned — and where the financial system has the least to offer. Brown builds for that gap wherever it shows up: one set of rails, many places, one belief.

06 — Vision

Everyone left out
by the old system gets a new one.

01 Drivers Tesha · live
02 Gig economy Delivery · Domestic · Care
03 Informal economy Traders · Transport · Vendors
04 Emerging markets Global South · worldwide
05 Everyone left out The new mass market

Build on Brown, or build with us.

We work with operators, banks, insurers and platforms who want to serve the workers the old system walked past. And we hire the kind of people who run toward that problem, not away from it.

busi@brownfs.co.za  →
Brown Financial Services · Worldwide