What Statrys is, in 2026
Statrys is a Hong Kong-headquartered SMB multi-currency platform founded 2018 and operating under HKMA Money Service Operator licensing. The structural focus is HK-incorporated SMBs with cross-border trading or services flows — the typical customer has a HK Limited Company entity, sources from mainland China, sells globally in USD / EUR / GBP, and operates with HKD as the base currency.
Product surface: multi-currency business account in 8 native currencies (USD, EUR, GBP, HKD, AUD, JPY, CNY, SGD), Mastercard business debit cards (virtual + physical), invoicing tools, Xero + QuickBooks Online integration. Statrys also operates a separate company-formation arm under HKMA TCSP (Trust or Company Service Provider) authorisation that handles HK Ltd incorporation services for international founders.
HKMA MSO licence — funds safeguarded, NOT covered by HK Deposit Protection Scheme. The structural truth most reviews skip.
At a glance
Who Statrys is for: Hong Kong-incorporated SMBs with cross-border trading or services flows; e-commerce operators sourcing from mainland China and selling on Amazon US / EU; SaaS / professional-services firms billing in USD with HKD operating costs; and HK-based holding companies for cross-Asia subsidiaries.
Who to avoid Statrys for: Singapore-domiciled SMBs (Aspire is the structural fit); global e-commerce / marketplace platforms needing 15+ currencies (Airwallex); HK-domestic-only operators (a chartered HK bank or virtual bank with DPS may be a better fit); businesses needing developer API access (Statrys does not ship a native API as of 2026); and non-HK businesses without a HK Ltd entity (incorporate first via Statrys\' company-formation arm or skip to a regional alternative).
Safety in one sentence: Statrys is HKMA-licensed as a Money Service Operator; customer funds are safeguarded in segregated accounts at HK-licensed banks and are NOT covered by the HK Deposit Protection Scheme (HKD 800,000 ceiling) which applies to chartered HK banks only.
Licence structure & safeguarding
Statrys Limited holds a Hong Kong Monetary Authority Money Service Operator (MSO) licence, plus Trust or Company Service Provider (TCSP) authorisation for the HK incorporation-services arm. The MSO licence authorises money-changing and remittance services under the Anti-Money Laundering and Counter-Terrorist Financing Ordinance (AMLO) — comprehensive payment-services authorisation, but materially different from a deposit-taking bank licence.
The customer-protection regime under HKMA MSO rules is safeguarding. Customer funds are held in segregated accounts at HK-licensed banks, ring-fenced from Statrys\' own balance sheet. In a Statrys insolvency, the safeguarded balances would be returned to customers under HKMA-supervised resolution. The HK Deposit Protection Scheme (DPS) — operated by the Hong Kong Deposit Protection Board, covering chartered HK banks with deposit insurance up to HKD 800,000 per depositor per institution — does NOT apply to MSO licensees.
The contrast with the eight HKMA virtual banks (Mox Bank, ZA Bank, Livi Bank, Welab Bank, Airstar Bank, Ping An OneConnect Bank, Ant Bank, Fusion Bank) matters because they are HK-domiciled digital banks with full banking authorisation and DPS cover. For HK operators needing deposit insurance at the digital-bank tier, the virtual banks are the structural alternative to Statrys.
The fee schedule
| Item | Standard (HKD 88/mo) | Pro (HKD 388/mo) |
|---|---|---|
| Monthly fee | HKD 88 | HKD 388 |
| Multi-currency account (8 currencies) | ✓ | ✓ + higher limits |
| Mastercard business card (virtual + physical) | ✓ | ✓ + advanced controls |
| FX margin on conversion | ~0.5% | ~0.4% |
| International wires (outbound) | Per-transfer fees by corridor | Discounted; bulk-rate available |
| Multi-user roles | Limited | Full |
| Invoicing | ✓ | ✓ |
| Xero / QuickBooks integration | ✓ | ✓ |
No free tier — distinct from Aspire (free Starter tier for SG SMBs) and Wise Business (free per-account-creation with per-transaction fees). The HKD 88/mo Standard tier is structurally reasonable for HK SMBs given the multi-currency footprint, but operators evaluating against Aspire on pure cost will find Aspire structurally cheaper for SG-domiciled equivalents.
Hands-on notes
HK Limited Company onboarding clears in 1-3 business days. Required documents: HK Business Registration Certificate + Certificate of Incorporation + Articles of Association + identity verification for each director and beneficial owner with 25%+ ownership. Statrys\' KYB onboarding process is materially faster than HSBC HK Business or Standard Chartered HK Business — a structural reason HK SMBs and overseas founders incorporating HK Ltds default to Statrys for the operating-account leg.
The product UX is functional rather than design-led — the multi-currency switching surface works, the FX rates are visible at conversion time, and the Mastercard business card ships in 5-10 business days. The Xero + QuickBooks Online integrations cover the standard HK SMB accounting workflow; Sage and other ERP integrations are not available as of 2026.
The structural strength is the cross-Asia corridor depth. USD-HKD is the default HK SMB FX flow and Statrys is structurally competitive (~0.5% margin). USD-CNY is the secondary corridor — relevant for trading businesses sourcing from mainland China — and Statrys handles it natively rather than via correspondent-bank routing. JPY and AUD are useful for businesses with Japan / Australia customer or supplier flows. The CNY support specifically is structurally distinct from Aspire (which doesn\'t ship native CNY) and roughly comparable to Airwallex on the corridor depth.
Friction points: no developer API access (rules out engineering-led startups); no free tier (rules out very-low-volume SMBs); HK-only entity (rules out non-HK businesses without a HK Ltd); customer support is solid during HK business hours but less responsive in non-HK timezones.
Plan & tier comparison
Statrys ships two paid tiers — Standard (HKD 88/mo) and Pro (HKD 388/mo). No free tier. The Pro pivot is typically driven by transaction volume (Standard tier has per-transfer fees that compound past ~20 transfers/month) or by multi-user roles + dedicated support needs at growth-stage HK SMBs.
| Feature | Standard | Pro |
|---|---|---|
| Monthly fee | HKD 88 | HKD 388 |
| Multi-currency (8 currencies) | ✓ | ✓ + higher limits |
| Mastercard business card | ✓ | ✓ + advanced controls |
| FX margin | ~0.5% | ~0.4% |
| Multi-user roles | Limited | Full |
| Dedicated support | Standard | Priority |
| Bulk transfer rates | — | ✓ |
Caveats
HKMA MSO not deposit-taking. Funds safeguarded under HKMA MSO rules, NOT DPS-protected. For HK operators needing deposit insurance, a chartered HK bank or one of the eight HKMA virtual banks (Mox, ZA Bank, Livi, etc.) is the structural alternative.
HK-only operating entity. No SG / AU / EU / US local entities. Non-HK businesses need to incorporate a HK Ltd first (Statrys offers this via its TCSP-licensed company-formation arm) before onboarding the operating account.
Paid tiers from HKD 88/mo. No free tier — distinct from Aspire (free Starter) and Wise Business (free account creation). Pricing structurally reasonable but evaluation against Aspire on pure cost will favour Aspire for SG-domiciled equivalents.
No developer API. Statrys does not ship a native API as of 2026. Engineering-led startups that want programmatic transfer initiation or webhook-based spend events should evaluate Airwallex or Wise Business.
Multi-currency footprint smaller than Airwallex. 8 native currencies vs Airwallex\'s 23. For global e-commerce or marketplace platforms needing 15+ currencies, Airwallex is the structural alternative.
Statrys vs. Aspire vs. Airwallex
Statrys vs. Aspire. Statrys is HK-primary with HKMA MSO licence and 8 native currencies; Aspire is SG-primary with MAS MPI licence and 5 native currencies. Both are payment-institution-class licensees without deposit insurance. The structural decision pivots on incorporation: HK Ltd → Statrys; SG Pte. Ltd. → Aspire. For cross-Asia corridor depth (specifically USD-CNY), Statrys is structurally stronger than Aspire.
Statrys vs. Airwallex. Airwallex is broader globally (multi-jurisdictional licensed-entity stack, 23 native currencies, 60+ local-receiving countries, embedded-finance API for marketplaces). Statrys is narrower (HK-primary, 8 native currencies) but materially more polished on the HK SMB-customer surface. For HK SMBs with cross-Asia operating shape and no embedded-finance API needs, Statrys. For global e-commerce or marketplace platforms with material multi-currency flows in 15+ currencies, Airwallex.
FAQ
- Is Statrys a bank?
- No. Statrys Limited is HKMA-licensed as a Money Service Operator (MSO), not a deposit-taking bank. Customer funds safeguarded, NOT DPS-protected.
- Are Statrys balances DPS-insured?
- No. HK DPS applies to chartered HK banks only — including the eight HKMA virtual banks. MSO licensees like Statrys are not eligible.
- Which currencies does Statrys support natively?
- USD, EUR, GBP, HKD, AUD, JPY, CNY, SGD — 8 native currencies with HK + cross-Asia corridor depth.
- How does Statrys compare with Aspire and Airwallex?
- Statrys is HK-primary with cross-Asia depth; Aspire is SG-primary with the most polished SMB UX; Airwallex is multi-jurisdictional with the broadest currency footprint and embedded-finance API.
- Can a non-HK business open a Statrys account?
- Statrys onboards HK Limited Companies; international founders typically incorporate a HK Ltd first (via Statrys\' company-formation arm) before onboarding.
- What is the typical Statrys customer profile?
- HK-incorporated SMBs with cross-border trading or services flows — e-commerce trading from China to US/EU, SaaS billing in USD with HKD operating shape, or HK holding companies for cross-Asia subsidiaries.
Who Statrys is for
Use Statrys if you run a Hong Kong-incorporated SMB with cross-border trading or services flows — particularly e-commerce trading businesses sourcing from mainland China and selling on Amazon US / EU, SaaS / professional-services firms billing in USD with HKD operating costs, or HK-based holding companies for cross-Asia subsidiaries. The USD-HKD and USD-CNY corridors are structurally where Statrys differentiates from Aspire / Airwallex / Wise Business.
Use Aspire if you are SG-domiciled and want a more polished SMB-customer UX. Use Airwallex if you need 15+ currencies or an embedded-finance API for a marketplace / SaaS platform. Use Wise Business for pure FX cost optimisation across 5-10 corridors. Use a chartered HK bank (HSBC HK Business, Standard Chartered HK Business) or one of the eight HKMA virtual banks (Mox, ZA Bank, Livi Bank, etc.) if you need DPS deposit insurance up to HKD 800K.
References
Primary-source list, with capture date 2026-05-18. Statrys\' licence scope, multi-currency footprint, and pricing tiers shift across quarters; verify against the source URLs at decision time.
- Statrys — Legal & terms
- Statrys — Pricing & plans
- HKMA — Money Service Operator licensee register
- HKMA — Stored Value Facility licensing framework overview
- Hong Kong Deposit Protection Board — DPS scheme overview
- Statrys — Multi-currency account product overview
- Statrys — Mastercard business card product
- Companies Registry Hong Kong — business registration search
- Statrys — Press, announcements, funding
- Mastercard Hong Kong — commercial card programs
- PBoC + HKMA — RMB cross-border payment overview
- Statrys — Customer service + onboarding documentation
- Hong Kong Inland Revenue Department — Business Registration Office
Disclose product type before relying on protection. Bank deposits are SDIC-protected up to SGD 100,000. Stored Value Facility (SVF) e-money is held in trust at a custodian bank but is NOT SDIC-protected. Investments through Capital Markets Services licensees carry their own risk and are not deposit-equivalent. Verify the licence with MAS at mas.gov.sg.
Premium plans
- HKD 88/mo or USD/EUR equivalent. Multi-currency account + Mastercard + basic transfers + invoicing.
- Higher volume + multi-user + dedicated support