Shared US ACH access for fintech bootstrappers—pay US vendors compliantly.
Remote fintech bootstrappers face a nightmare of international banking compliance and lack access to US business accounts, stalling their ability to accept payments.
BootACH offers pooled, compliant US business accounts via vetted syndicate model. Users get sub-accounts for receiving/paying USD without personal US entity. Automates 1099 filings and splits fees across users.
Remote fintech bootstrappers building businesses without VC funding
Syndicated low-cost access (community-owned vs corporate banks).
friendly
Instant virtual sub-account under master US bank.
Direct US payouts/receipts via Plaid.
Year-end tax forms generated.
Segregated funds + insurance proof.
Pre-vetted US payout lists.
Track fintech payment patterns.
CSV import for mass sends.
Stripe/PayPal sync.
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| text | Yes | |
| sub_account_id | text | Yes |
| joined_at | timestamp | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| amount | int | No |
| status | text | No |
| ach_id | text | Yes |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| name | text | No |
| master_routing | text | No |
| balance | int | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| year | int | No |
| pdf_url | text | Yes |
Relationships:
/api/sub-accountCreate sub-account
/api/payoutsSend ACH
/api/balancesFetch sub-balance
/api/tax-formsDownload 1099
/api/vendorsList directory
$1k/month
$50k/month
Unlimited
| Month | Users | Conversion | MRR | ARR |
|---|---|---|---|---|
| Month 1 | 120 | 2.5% | $90 | $1,080 |
| Month 6 | 900 | 4.5% | $1,300 | $15,600 |
Join the syndicate: Pay/receive USD compliantly without your own entity.
Host Twitter Space on 'fintech banking pains'; Free trials to r/remotework fintechs; Partner with indie payment newsletters.
Global
High fees, no true ACH
Direct ACH cheaper
Tech
No bootstrapper pooling
User-friendly syndicate
Network effects from growing syndicate trust/balance.
Plaid ACH APIs 2024 + syndicate models proven (e.g., fractional real estate).
Syndicate regulation
Partner with licensed bank + MSB status
Fund pooling fraud
Segregated + insurance
Trust barrier
Audits + testimonials
Success: 100 emails
Success: Repeat payouts
Success: 50 syndicate joins
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