How Advance is different
The repayment idea is proven. What's new is who it's for and how it works.
Why Advance is different, in five lines
For people, not just businesses
Stripe, Shopify and Credit Coop lend to companies. Advance lends to individual earners and AI agents.
Repaid from every payment
Not a monthly bill you can forget: each incoming payment repays 20% automatically, in the same second.
Not locked to a platform
Stripe Capital only works if you sell on Stripe. Advance works for any income paid to your Advance link.
Small, fair, and explained
From $50, a flat 2%, and every decision comes with plain-English reasons.
Only possible on Monad
One transaction per payment needs sub-second blocks and fees under a cent. Elsewhere it doesn't pay.
Advance vs a credit card
A credit card is a spending tool that happens to lend. Advance is your own income, early.
| Credit card | Advance | |
|---|---|---|
| Who can get it | Needs a credit history, a bank and the right country | Anyone with income onchain, anywhere |
| How you're judged | Your past debts (credit bureau) | The money coming in now, checked live |
| Approval | Days or weeks | Seconds |
| Repaying | You must remember every month | Automatic: 20% of every incoming payment |
| Cost | About 20% to 30% a year, compounding, plus late fees | Flat 2%. Never grows, no late fees |
| Debt trap | Balance can keep growing for years | Can't grow: fixed amount, at most half a month of income |
| Who lends | The bank, privately | A savers' pool; every advance visible onchain |
| Best for | Spending at shops: rewards, purchase protection | Getting your own income early |
| Rewards | Points for spending more | A scratch card for repaying faster, drawn onchain |
Where they meet: Visa already funds card issuers with this repayment model (via Credit Coop). That's the idea behind the Advance card: a credit card on your Advance limit, paid off from the income coming in. It's designed and in the app; issuing real cards needs a card partner.
Who else does something like this
Honest about the neighbours. Some are close; none combine everything.
Stripe Capital, Shopify Capital
Lend to merchants, take a % of each day's sales until repaid.
Difference: Same idea as Advance, but only for sellers inside their own platform, and businesses only.
Square Loans, PayPal Working Capital
The same, for their own merchants.
Difference: Locked to one platform; not for freelancers or agents.
DailyPay, EarnIn, Payactiv
Let employees take part of their salary early.
Difference: Your employer has to sign up; mostly US; no freelancers or agents.
Credit Coop (Visa partnership)
Repayment-at-source smart contracts for card issuers and fintechs.
Difference: Businesses only, manual review, large tickets. Advance brings the same model to individuals and agents.
Huma Finance
Lending against receivables and payment flows.
Difference: The closest in crypto, but mostly funds institutions and fintechs rather than individual earners directly.
3Jane
Unsecured credit lines onchain.
Difference: Underwrites on assets and offchain proofs; repayment isn't taken from income automatically.
Maple, Goldfinch, Wildcat, Clearpool
Undercollateralised loans to companies.
Difference: Large loans, repayment enforced offchain by legal agreements.
Spectral, Cred Protocol
Score wallets.
Difference: A score only: no lending, no repayment.
What only Advance puts together
| Stripe / Shopify Capital | Credit Coop | Advance | |
|---|---|---|---|
| For individuals and AI agents | |||
| Repays from every incoming payment, automatically | |||
| Works outside one platform | |||
| Small amounts from $50 | |||
| Every decision explained | |||
| No wallet or seed phrase to start |
Small amounts, repaid per payment, only make economic sense on a chain as fast and cheap as Monad. That's why nobody has done this for individuals before.