
Episode #114
#114: Agentic Neobanks with Reah
Jacob Margulies is the Co-Founder at Reah , a financial operating system that unifies fiat banking, digital assets and AI-powered execution in one platform. It provides global bank accounts, payments, treasury, cards and invoicing for businesses worldwide, all governed by one programmable policy engine. And Reah describes itself as non-custodial. Customers have complete control of their assets, and Reah says it cannot access, freeze, or move their funds. This episode also includes a live demo, where Jacob shares his screen and walks through the platform. ✅ OUR RESOURCES Join a global community of web3 accounting & finance professionals - https://www.onchainfinanceinstitute.com/courses Join the FREE Crypto Accounting Class & learn how to start working in web3 accounting - https://www.onchainfinanceinstitute.com/free-class Join the next cohort of the Crypto Accounting Academy and learn how to manage a business using crypto - https://www.onchainfinanceinstitute.com/crypto-accounting-academy Join the next cohort of the Crypto Treasury Management Academy and learn how to optimize, allocate and protect your organization's treasury - https://www.onchainfinanceinstitute.com/crypto-treasury-management-academy ✅ EPISODE SPONSOR The full-stack OS for Web3 businesses using Kryptos and 10% off (Code OCF10) - https://kryptos.io/?via=ocf-institute ✊ Follow The Accountant Quits on Socials LinkedIN: https://www.linkedin.com/school/ocf-institute Twitter(X): https://x.com/ocfinstitute YouTube: https://www.youtube.com/@theaccountantquits ️ Follow Episode Guest Jacob Margulies: https://www.linkedin.com/in/jacob-margulies-a32a9a115/ Website For show notes and past guests, please visit https://www.theaccountantquits.com/ Topics covered: (0:00) Coming Up (2:52) Jacob’s story into web3 (5:50) What is an agentic neobank (8:57) Traction at Reah (9:58) How is Reah non-custodial (11:57) How would customers retrieve funds if Reah shuts down (12:59) Who is the custodian for fiat (13:51) Does Reah have partner banks (14:36) Custody for EVM, Bitcoin, Solana & Tron (15:52) Business model of Reah (18:08) Fiat/crypto transactions (21:28) Get 10% off with Kryptos subledger (23:09) Off-ramping crypto to fiat (25:52) Does AI Kill the Neobank Moat (28:17) Treasury products - BlackRock & AAA iShares ETF (29:44) Business licences for Reah (31:35) Competing with other neobanks like Meow, Altitude (33:22) Demo of Reah (43:15) Integrations with accounting softwares like Xero & Quickbooks (44:10) Pricing (45:11) Upcoming features (46:21) Closing thoughts (47:19) Favourite maxim (47:37) Reach out to Jacob






