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What would one email cost you?

Two numbers every global founder should know and almost none have run: what a freeze would cost you next month, and what your current setup quietly leaks every year.

If your main account froze tonight

Fill in rough numbers. Nothing is stored or sent anywhere. It all runs in your browser.

30 days
Your exposureComputed locally

Cash locked on day one

$120,000

Reachable cash after the freeze $15,000
Days until you miss an obligation 10 days
Obligations due during the freeze $45,000
Shortfall you’d have to cover $30,000
Share of cash in one institution 89%
Exposed You’d miss an obligation on day 10 of a 30-day freeze, with $30,000 uncovered. The money would be visible on the screen the whole time.
Fix this before the email comes

Applying is free. The compliance read happens before any payment, so you never pay for a sequence we can’t execute.

How the math works

The freeze model assumes your main institution restricts everything on day one, the way it happened to the founders on our homepage: business and personal together, no warning, no timeline. Runway is your reachable cash divided by your daily obligations. Concentration is the share of total cash sitting behind a single risk algorithm.

The leak model multiplies your cross-currency volume by the spread you’re paying, and values unearned points at one point per dollar at your chosen redemption rate. Business class estimate assumes 180,000 points per long-haul round trip.

Both models are deliberately conservative. Neither stores or transmits your numbers. If yours came out red, the fix is architecture, not luck: real banks, correct sequence, redundancy by design.

Before you ask

Straight answers about the numbers

How is the freeze cost calculated?

Runway is your reachable cash (the buffer field) divided by your daily obligations. The model assumes your main institution restricts everything on day one, business and personal together, no warning, no timeline, the same way it happened to the founders on our homepage. From there it shows the shortfall you’d have to cover during the freeze length you choose.

What do the Resilient, Fragile and Exposed verdicts mean?

Resilient means your runway covers the freeze length and no single institution holds 60% or more of your cash. Fragile means you’d survive the freeze, but concentration is still high enough that one institution holds your off switch. Exposed means you’d miss an obligation before the freeze ends, with a real shortfall left to cover.

Why does the calculator flag 60% concentration?

Concentration is the share of your total cash sitting behind a single risk algorithm, shown as “share of cash in one institution” in your results. Above roughly 60%, a single freeze stops being an inconvenience and starts being a payroll crisis, which is why the calculator treats that line as the difference between Resilient and Fragile.

Does the calculator store or send my numbers anywhere?

No. Every field runs entirely in your browser. Nothing is stored or transmitted, which is also why no email is required to see your results.

What does the leak tab assume?

It multiplies your cross-currency volume by the FX spread you set, and values unearned points at one point per dollar of card spend at the redemption rate you choose. The business-class flight estimate assumes 180,000 points per long-haul round trip, and both models are deliberately conservative.