In 2026, business banking stacks break down into 5 layers: accounts, cards,...

https://andresssmartcolumns.talesignal.com/posts/relay-pros-and-cons-if-i-need-yield-and-cards-too

In 2026, business banking stacks break down into 5 layers: accounts, cards, payment ops, AP automation, and accounting sync. Brex offers up to 20 sub-accounts for neat cash management, while Mercury boasts $0-fee domestic wires