The Backstory
Meet Doña Rosa.
Doña Rosa runs a small taquería in Mexico. On a Tuesday morning, a customer paid with her Clip terminal. The transaction was instant. She had made the sale.
But the money wasn't really hers yet. She would have to wait three to five days before she could actually use it.
For a small business, that delay can matter. The money from today's sales might be needed to buy ingredients tomorrow, pay a supplier, or simply keep the business moving. And Doña Rosa wasn't alone.
Clip had built a fast way for merchants to accept money, but the money still had to travel through external banking systems before merchants could access it.
The real problem wasn't accepting payments. It was controlling what happened after the sale.
