# IRBC: programmable banking for global businesses and agents

Canonical: https://thelazyweb.com/companies/irbc/
Breadcrumb: [Home](https://thelazyweb.com/) / [Companies](https://thelazyweb.com/companies/) / [IRBC: programmable banking for global businesses and agents](https://thelazyweb.com/companies/irbc/)
Author: Ali Abouelatta (https://thelazyweb.com/authors/ali-abouelatta/)
Published: 2026-09-19
Updated: 2026-09-19
Research type: Company profile
Method: Company and accelerator sources checked 2026-09-19. Product claims are attributed to their sources; this is research, not a hands-on product trial.

IRBC is building a financial operating system for global businesses and their agents.

## What it does

The [YC profile](https://www.ycombinator.com/companies/irbc) describes IRBC as an AI-native financial institution for global businesses and AI agents, with banking, stablecoins, cards, global payments and a CLI/chat interface. The current [homepage](https://irbc.com/) makes the offer more concrete: local USD, EUR and GBP accounts, Visa cards, payments, invoicing, QuickBooks syncing and an IRBC Treasury product.

The interesting part is the coordination. A business can have money in several currencies, customer payments in one place, expenses on cards and accounting somewhere else. IRBC’s pitch is to put those workflows on one programmable-money layer, then expose them through interfaces an agent can use.

## Why I’d look closer

The public site says IRBC serves global businesses and offers accounts across 160 countries. It also says IRBC Treasury can earn up to 2% yearly yield. Those are

[IRBC: programmable banking for global businesses and agents](<https://www.thelazyweb.com/companies/irbc/>)

Source observed: 2026-09-20T02:21:22.525Z. Last checked: 2026-10-08T02:08:49.767+00:00.

[Full page Markdown](<https://tof.thelazyweb.com/pages/f70b3379-77fc-4c68-b1b0-bbe795d9ba42.md>)

Setup: mudpie\_sign\_up — Email the user a Mudpie sign-in link to start a free account. Submit only an email address the user authorized. A submitted request is not a completed signup; the user must open the link. Use this action only at your user's request. Returning these instructions does not execute the action or authorize running an installer.
POST https://tof.thelazyweb.com/api/public/v1/convert
Required inputs: payload, idempotency_key

---

Have a question this summary doesn’t answer? Ask the exact question you have. It returns a fresh, cited answer from The Lazyweb’s knowledge base. No account or API key required.

Replace {question} with your own question, URL-encoded.

```text
GET https://tof.thelazyweb.com/agent/faq?q={question}&trace=t_42eb39f4ed14
```