Teel

Mid-market businesses moving money across Southeast Asia and the Gulf lose 2-3% on every cross-border transaction. Not just in fees. In FX markup buried inside bank spreads, in working capital trapped for days in correspondent banking networks, in finance teams spending hours reconciling across fragmented portals. For a business moving $500,000 a month in supplier payments, that is $120,000-$180,000 a year in friction that appears on no single bank statement. Banks were not built to serve these businesses. Retail fintechs were not built for their complexity. The result is a multi-hundred-billion-dollar segment running treasury operations on spreadsheets, multiple bank portals, and yesterday's FX quotes. Teel is building the treasury orchestration layer for this market. We are designing a programmable money orchestration platform that sits between banks, real-time payment networks, and digital asset settlement infrastructure to give mid-market businesses three capabilities they do not have today: Move: Just-in-time settlement across multiple rails with intelligent cost, speed, and compliance routing. Manage: A unified multi-currency ledger with automated reconciliation and real-time visibility across all accounts. Multiply: Optimized retained liquidity through regulated yield partners, turning idle float from a 0% drag into a revenue line. Everything runs through a compliance-first architecture: pre-transaction policy enforcement, AML/CTF controls, travel rule compliance, and audit outputs designed for BNM, MAS, OJK, and BSP regulatory frameworks. Teel is incubated under PayNet Malaysia in collaboration with Imperial College Startup Catalyst Program and currently in prototype phase. We are focused on cross-border corridors across Malaysia, Singapore, Indonesia, the Philippines, and the UAE. Founded by a team with operating experience across Stripe, HSBC, Citi, Deloitte, and Southeast Asian payment infrastructure.