About

Modern banking for global trade

trad is building the bank for businesses that trade across borders — combining multicurrency accounts, global payments, trade finance and AI-powered treasury tools in one platform.

What trad does

International trade runs on slow, fragmented banking. Collections land late, currency conversion eats margins, and working capital gets stuck in unpaid invoices and open letters of credit. trad connects these pieces into one modern account-led platform so exporters and importers can receive, hold, move and finance money on their terms — not their bank's.

  • Global Accounts — open multicurrency accounts, collect payments globally and settle across trade flows.
  • Payments — move money across borders with faster settlement and lower conversion costs.
  • Trade Finance — unlock working capital and financing against your trade flows, backed by our 194-market buyer financing checker.

trad is operated by Intersphere Commerce Technologies Private Limited, Floor 18, GIFT Tower Two, GIFT IFIH, GIFT City, Gujarat, India.

Founders

trad founders Sapan Karia and Jayanth Chandra sitting on a sofa
The trad founders — Sapan Karia and Jayanth Chandra.
  • Sapan Karia — GTM, Sales, Partnerships, Legal. MBA from ISB and Company Secretary from ICSI. Ex-Klub, Pantomath Capital and Dayspring Foods. Ran an IPO end-to-end in 30 days, one of the fastest in India.
  • Jayanth Chandra — Technology, Product, Data. MS in Computer Science from the University of Illinois Urbana-Champaign. Ex-Klub and Nira, where he led Data and AI teams. Built infra handling 1L+ eNACH a day. Top 5 in the AWS Global Startup Architecture Challenge.

The platform

Beyond the base products, trad is engineering a full treasury stack for cross-border teams.

  • Treasury Intelligence — AI-powered treasury workflows that automate collections, payouts, netting and FX decisions to improve cash flow and cut operational overhead.
  • Trade Copilot — an AI copilot that continuously monitors your trade activity, verifies counterparties and uncovers financing opportunities so you can trade with confidence.
  • Banking infrastructure you can build on — programmable by design, with accounts, payments, treasury and financing connected through APIs and workflows built for modern trade.

How we think about trade finance

Trade finance is still paper-based and opaque for most of the world. We built the buyer financing checker to change that: run a check for any of 194 buyer markets and get a factoring score, a country risk signal and a recommended product — factoring or LC discounting — in seconds. No spreadsheets, no guesswork. When financing is available, the trad team picks up a quote request directly.

See how it works on the financing page.

Learn with us

We publish practical guides on export factoring, LC discounting, export payments and working capital — the questions trade teams actually ask. Read them on the trad blog.