WELCOME TO COIN.
A new financial layer for small and local business.
Transactions should not be this hard.
For too long, small and local businesses have been handed the worst deal in payments: high fees, clunky terminals, slow settlements, and financial tools clearly designed for someone else. Coin was built to change that.
Coin is a completely reimagined transaction platform for small and local businesses. Not a payment processor with a friendlier face. Not another app bolted onto your existing setup. A ground-up rethink of how money moves between people, businesses, and communities, and who benefits when it does.
Intelligent transactions that work for you.
Coin does not just process payments. It understands them. Every transaction is an opportunity to learn about your customers, your patterns, your peak times, and your most valuable relationships. Coin turns that data into insight and insight into action.
Smart Routing
Coin intelligently routes each transaction through the lowest-cost pathway available, in real time. Less money lost to fees. More staying where it belongs, in your business.
Instant Settlement
No more waiting two to three business days to access your own money. Coin settles funds in real time so your cash flow reflects reality, not a bank's schedule.
Predictive Cash Flow
Coin analyses your transaction history to forecast what is coming: slower weeks, upcoming peaks, seasonal shifts. Plan ahead with confidence rather than react under pressure.
A new kind of loyalty, built into every transaction.
Coin introduces a local loyalty layer that works across businesses in the same neighbourhood. Spend at one Hood-connected business and earn Coin rewards redeemable at another. It is a micro-economy that keeps value circulating locally and gives customers a reason to keep coming back to the places that make their community what it is.
Built for humans, not finance teams.
No jargon. No lengthy terms documents. No calling a support line and waiting on hold. Coin is designed to be set up in under ten minutes and understood at a glance, whether you are running a café, a barbershop, a market stall, or a boutique.
Unified Dashboard
Every transaction, refund, payout, and report in one clean view. Accessible on any device, at any time.
Multi-Channel Payments
In-person, online, invoiced, or tapped. Coin handles every payment type in one place with no separate accounts or reconciliation headaches.
Automated Tax and Reporting
Coin tracks what matters at tax time automatically. Export what you need, when you need it, in the format your accountant actually wants.
Team Access Controls
Give staff the access they need without giving them access to everything. Role-based permissions that are simple to set and easy to change.
The future of local commerce.
Coin is not just a better way to get paid. It is a stake in a financial system that finally works for the businesses that hold communities together.
In the future.
Coin is coming. If you are tired of being the last priority in a system built for someone else, you will want to be first in line for this one.
Join the waitlistFrequently asked questions
What is Coin?
Coin is a transaction platform built from the ground up for small and local businesses. It offers smart payment routing, instant settlement, predictive cash flow tools, and a built-in local loyalty system.
How is Coin different from existing payment platforms?
Unlike conventional payment processors, Coin was designed specifically for small and local businesses. It minimises fees through intelligent routing, settles funds in real time, and connects businesses to a local loyalty network.
When will Coin launch?
Coin is in the future. Join the waitlist by emailing reachus@threestart.co.