Privileged & Confidential
Overview
US-only Launch Plan
Connect (onboarding & compliance) + Treasury (financial accounts & ACH/wires) + Issuing (programmatic virtual + physical cards)
An embedded finance layer powering marketing & corporate spend management within HubbleSky's AI platform
What We're Building
Stripe Connect
Unified onboarding backbone with KYB/KYC verification, AML screening, sanctions/MATCH checks. Handles platform compliance and streamlined account creation for all customer segments.
Stripe Treasury
Per-customer financial accounts for secure fund storage, ACH/wire transfers in/out, faster fund access, and bank-account-replacement UX. FDIC pass-through eligible accounts.
Stripe Issuing
Instant virtual cards with optional physical versions, real-time authorization, granular spend/MCC controls, tokenization support, and 3DS hosted ACS for enhanced security.
Connect serves as the architectural foundation, with Treasury and Issuing seamlessly plugging into this unified compliance and account infrastructure.
Funds Flow Architecture
Phase 1: Pre-funded Model (US-only)
1
Connect Onboarding
Customer completes KYB/KYC verification and compliance screening through Stripe's hosted onboarding flow
2
Treasury Account
FDIC-eligible financial account created automatically for approved customer with ACH/wire capabilities
3
Fund Top-up
Customer deposits funds via ACH transfer or wire into their dedicated Treasury financial account
4
Card Issuance
Virtual & physical cards created per campaign/team with customized spend limits and MCC controls
5
Spend & Settle
Real-time authorization, transaction processing, and automatic reconciliation within HubbleSky platform
Embedded Components & User Experience
Fast Launch Strategy
Leverage Stripe's pre-built UI components embedded directly within HubbleSky to accelerate time-to-market. This approach allows us to launch faster while maintaining the option to evolve to custom UI components post-MVP.
Key Benefits
  • Reuse existing Stripe account infrastructure
  • No need to rebuild platform scaffolding
  • Proven compliance and security patterns
  • Seamless integration with existing workflows

Example Workflow
Create virtual card → Set spending limits → Assign to specific campaign → Monitor real-time usage
The embedded experience provides campaign managers with intuitive card creation and management tools without leaving the HubbleSky platform.
Card Controls & Risk Management
Spending Controls
  • Per-card spending limits: Daily, weekly, and monthly caps
  • MCC allow/block lists: Restrict transactions to approved merchant categories
  • Real-time authorization: Instant approval/decline decisions
  • Token management: Secure digital wallet integration
  • Campaign-specific controls: Budget allocation per marketing initiative
Risk & Compliance
  • Transaction-level fraud detection: Advanced ML-powered screening
  • Dispute management: Automated chargeback handling
  • 3DS hosted ACS: Enhanced authentication for online purchases
  • Real-time monitoring: Anomaly detection and alerting
  • Compliance reporting: Automated audit trails
Default policies enforce strict MCC controls for advertising spend while maintaining flexibility for legitimate business expenses across all customer segments.
Customer Segments & Spend Categories
Per-campaign virtual cards with vendor-specific limits reduce waste and accelerate reconciliation across all segments.
HubbleSky Operator Workflow
01
Campaign Card Creation
Create and assign dedicated virtual cards for specific campaigns with customized daily, weekly, and monthly spending caps
02
MCC Control Setup
Configure MCC allowlists for advertising categories while blocking risky merchant codes to prevent unauthorized spend
03
Real-time Limit Management
Receive webhook updates to automatically adjust spending limits based on campaign pacing and budget allocation
04
Receipt & Documentation
Auto-attach receipts and transaction notes, then push organized data to accounting export systems for seamless reconciliation

Campaign → Card Mapping: Each marketing platform gets its own virtual card with tailored controls, creating clear attribution and budget management.
Customer Onboarding Journey
HubbleSky Sign-up
Customer registers on HubbleSky platform and initiates account creation process through our embedded Stripe Connect hosted onboarding experience
Connect Verification
Stripe handles complete KYB/KYC verification, AML screening, and sanctions/MATCH checks through secure, hosted compliance flows
Treasury Account Creation
Upon approval, Stripe automatically creates FDIC-eligible financial account with unique account details for ACH/wire capabilities
Fund & Issue Cards
Customer deposits funds via ACH or wire transfer, then begins issuing virtual & physical cards for immediate campaign use
Single-pass onboarding eliminates duplicate compliance requests and provides immediate access to card issuance capabilities.
Reporting & Reconciliation
Comprehensive Spend Analytics
  • Per-card spend tracking: Individual card performance metrics
  • Campaign-level breakdowns: Budget utilization by marketing initiative
  • Channel attribution: Spend analysis across Meta, Google, TikTok, and other platforms
  • Vendor-level insights: Detailed merchant category analysis
Automated Operations
  • Accounting exports: Seamless integration with financial systems
  • Monthly statements: Comprehensive transaction summaries
  • Anomaly alerts: Real-time notifications for unusual spending patterns
  • Threshold controls: Automatic card pauses when limits are reached
Connect, Treasury, and Issuing events unify in our data model to provide complete transaction visibility and automated reconciliation workflows that reduce manual accounting overhead.
Launch Strategy & Success Metrics
1
Phase 0: Pilot
Sandbox testing with Connect onboarding, Treasury accounts, and Issuing virtual cards for select customer cohort
2
Phase 1: General Availability
Full launch with segment-specific templates, automated limit updates, and comprehensive accounting exports
3
Phase 2: Enhancement
Explore additional card funding options (pending Stripe guidance) while maintaining pre-funded baseline for US market
90-Day Success KPIs
85%
Card Adoption Rate
Percentage of active customers using issued cards
95%
Auth Success Rate
Authorized-to-decline ratio for legitimate transactions
<5%
Anomaly Rate
Transactions flagged for unusual spending patterns
<24h
Reconciliation Time
Average time from transaction to accounting integration
Open Questions for Stripe
  • Pricing breakdown (Issuing fees, Treasury fees, ACH/wire costs).
  • BIN timelines and program economics guidance.
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