🇭🇰Statrys

Partner, Corporate & Commercial

Concept

Statrys is a Hong Kong fintech for SMEs. It opens multi-currency accounts in 11 currencies, processes local payments in 12 countries and SWIFT transfers to 120+ jurisdictions, issues corporate cards, provides FX from 0.1% above mid-market, and integrates with Xero, Shopify, Stripe, PayPal. Founded in 2019 in Hong Kong. As of 2026, it serves10,000+ companies; achievements include Top 10 Fintech Startups in Hong Kong 2024, Best Cross-Border Fintech Payments Platform in Hong Kong 2025 (Asian Banker), FT High-Growth Companies Asia-Pacific 2026.

Regulation

Triple licensing stack

Statrys is one of the few SME fintechs withthree regulatory nodes simultaneously:

• Hong Kong— Money Service Operator under Customs & Excise Department (primary license);
• Singapore— Major Payment Institution underMAS(obtained in 2025 with office opening and SG account);
• UK— Small Payment Institution underFCA.

This allows Statrys to accept clients from three key jurisdictions under local licenses, not through cross-border passive acceptance. The SG MPI license is particularly significant: after MAS post-1MDB tightening, obtaining MPI for a non-resident operator requires proof of genuine local operation.

DBS custodianship as product axis

Holding client funds in named accounts at DBS Bank (Hong Kong) is a structural choice that defines everything else. Statrys details appear to the receiving bank as DBS Hong Kong details; this removes the main reputational filter applied to pure EMIs by Asian correspondent banks. In return — KYC is stricter: DBS Bank conducts its own sanctions screening on top of Statrys checks.

Post-Wirecard and HKMA scrutiny

After Wirecard 2020, HKMA strengthened MSO supervision: daily safeguarded funds reconciliation, stricter board governance requirements, mandatory licensed custodian engagement for large EMIs. Statrys structured its architecture so these requirements are automatically met through DBS — providing resilience to HKMA regime changes.

Russian clients

Statrys is stricter than the average neobank due to dual checks (Statrys + DBS Bank). Two scenarios:

Products

Multi-currency account

11 currencies: HKD, USD, EUR, CNY, GBP, SGD, JPY, AUD, CHF, NZD, CAD. One account number at DBS Hong Kong for all currencies, no minimum deposit or monthly fee.

Local settlements in Hong Kong

Via FPS (Faster Payment System) and CHATS: incoming free, outgoing HK$5.

Local payments to 12 countries

In local currencies to USA, Canada, UK, EU, Australia, India, Indonesia, Philippines, Thailand, Vietnam, Korea, Turkey — without SWIFT fees, at HK$25–50 per transaction.

SWIFT to 120+ countries

Outgoing HK$85, incoming HK$60. MT-103 (payment confirmation) issued on request.

Currency exchange

From 0.1% above mid-market for major currencies, 0.15% for INR, IDR, PHP, KRW, THB, TRY, VND. Spot operations; forward hedging — via dedicated FX manager.

Mastercard cards

Virtual — issuance and maintenance free. Physical — free for HK and mainland China, HK$300 for delivery to other countries, HK$39/month per additional cardholder.

Integrations

Xero — automatic transaction and card operation synchronization, multi-currency reconciliation. Shopify, Stripe, PayPal — e-commerce and marketplace revenue receipt to Statrys account. No proprietary acquiring.

Operational layer

Personal manager from day of opening. In-account roles: Reader, Maker, Approver, Accountant — to separate work between team and accounting. iOS / Android apps, SWIFT payment tracking, real mid-market rates in dashboard. Current pricing onStatrys pricing page.

Use cases

• HK / SG SME with Asian trade operation.Suppliers in China or SEA, clients in Asia and Europe. Statrys closes the loop with one account: incoming revenue in USD / EUR via SWIFT, local payments in INR, IDR, VND without double conversion. DBS details build trust with Asian partners.
• SaaS / IT company with international clients.Stripe and PayPal as payout — Statrys connects with DBS details. Xero synchronization removes manual reconciliation.
• E-commerce and dropshipping.Shopify / Stripe / PayPal payout → conversion to CNY / HKD at mid-market+0.1% → payments to Chinese suppliers. Dropshipping model must be described in application with explicit suppliers and chargeback logic.
• BVI holding with HK connection.BVI is accepted under two conditions: clear ownership structure and explicit operational ties to HK (local contracts, local clients, SPV over active business in region). Pure holding without operations — rejected.
• Solo entrepreneur and freelancer.HK Limited with one director and clients in US / EU. Statrys beats larger platforms: no base fee, low FX, personal manager from day one. For turnover up to $200–300K per year — one of the most economical options.

Connection viaprivate.law

1. Package preparation.Corporate documents, passports of directors and shareholders, BR Certificate, business description in Statrys format. 1–3 business days.
2. Application submission.We submit via portal, attach documents in one package.
3. Statrys onboarding response.Dedicated onboarding team responds within 24–48 hours. We formulate clarifications.
4. DBS Bank check.Statrys passes package to DBS Bank Hong Kong as custodian. DBS conducts its own KYC and sanctions screening. 3–7 business days.
5. Account activation.Dashboard access, DBS Hong Kong details, virtual and physical card issuance. Same day.

Total time for clean profile —5–10 business days. Complex structures (BVI holding with HK connection, multi-country UBO) — 2–3 weeks due to DBS compliance.

Q/A

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Contact information

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