Cross-border money, compared properly

Points Architect covers the financial decisions that come with moving money, holding money, or operating across borders: multi-currency accounts, large transfers, business FX, expat tax, contractor payments, and non-resident company formation. Each vertical is covered as its own discipline, with its own rubric and its own verification cadence, rather than forced into one generic “best of” format.

What we cover

• Neobanks & Multi-Currency AccountsDigital-first accounts for holding, spending and receiving multiple currencies.
• Large Transfers & FX BrokersBrokers for one-off and recurring transfers of significant sums — not remittance corridors.
• Business FX & Cross-Border PaymentsPayment and hedging infrastructure for companies paying or billing across currencies.
• Expat & Cross-Border Tax PreparationPreparers and platforms handling non-resident and dual-filing tax obligations.
• Contractor Payments & Employer of RecordPlatforms for paying international contractors and employing staff without a local entity.
• Non-Resident Company FormationRegistered-agent and formation services for founders incorporating outside their home country.

Why we built it this way

Most comparison sites in this space are either affiliate directories dressed up as editorial content, or editorial content that goes stale the moment a provider changes a fee. We built the underlying data model — not just the articles — around verification: every fact has a source and a date, and scores are calculated from facts rather than typed in by hand. See our methodology for the details, the dataset for every figure and its source, and the changes page for what has moved and what we have corrected.

Independence

Points Architect is independently operated and not affiliated with any provider it covers. Full detail on how the site is funded, now and in future, is on our disclosure page.