MT103
/
LABS
TXN-0001
REF:44819
CR/DR
USD/SGD
Infrastructure Billing · Pre-Seed 2026

One payment in.
Every provider paid.

Your team uses 10+ cloud providers. That's 10+ invoices, 10+ payment methods, and one missed $29 charge away from a full outage. We sit in the middle and fix that.

Pre-seed · Ideation Stage · Building in Public
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87%
DEV TEAMS USE 3+ PROVIDERS
15+
SEPARATE INVOICES PER MONTH
$2.1M
AVG ANNUAL DOWNTIME COST
$0
UNIFIED SOLUTIONS TODAY
01
The Problem

Your cloud stack grew.
Your billing didn't.

Managing modern infrastructure means wrangling dozens of separate providers. This fragmented billing ecosystem guarantees lost time, reconciliation nightmares, and inevitable payment failures that bring systems down.

Vercel Due Oct 12
$60.00
AWS Due Oct 15
$110.00
CARD FAILED
Auth0 ⚠ OVERDUE
$49.00
Neon DB Due Oct 22
$1,000.00
Google Cloud Due Oct 25
$982.00
CARD FAILED
Railway ⚠ OVERDUE
$42.00
Supabase Due Oct 28
$79.00
Datadog Due Oct 29
$240.00
Auth0 suspended · 3 services failing · Engineering paged at 2:47am

A $29 missed payment just cost you $2.1M.

MT103
The Protocol

MT-103 is the SWIFT message format banks use to wire money between institutions.

We named ourselves after it deliberately. One wire in. Every provider wired out. On time. Every month. Automatically.

// REAL MT-103 SPECIFICATION
:20: TXN-8492001-A
:32A: 261012USD2322,00
:50K: /199302194
YOUR COMPANY INC
:57A: MT103/LABS
:59: ALL PROVIDERS — ROUTED ✓
:71A:OUR :72:/REC/AUTOMATED CLOUD BILLING
02
The Solution

You pay us once.
We handle the rest.

Instead of juggling 12 different credit cards, procurement approvals, and payment terms, you route a single unified payment to MT103/LABS. Our infrastructure automatically disperses exact amounts to every provider in your stack on time.

Your Company
$2,357.00
MT103/LABS
Routing Engine
Vercel Pending
AWS Pending
Auth0 Pending
Neon DB Pending
Google Cloud Pending
Railway Pending
Supabase Pending
Datadog Pending

Five forces. All converging. Right now.

01

AI infra explosion

Compute costs are scaling non-linearly. Tracking API usage across multiple model providers breaks traditional accounting.

02

Multi-cloud default

Vendor lock-in is dead. Best-in-class primitives mean modern stacks rely on 10-20 distinct infra providers.

03

FinOps boardroom-level

Infrastructure is now the largest line item after headcount. Visibility and control are existential requirements.

04

Payment failures = reliability issue

A declined credit card on a supporting microservice can cascade into global downtime. Billing is now DevOps.

05

Nobody owns this layer yet

Stripe owns frontend. Plaid owns bank data. The B2B infrastructure routing layer is completely vacant. Until now.

PRE-SEED · 2026

The window to own this layer is now.

We're onboarding our first design partners — engineering teams tired of managing 12 separate cloud invoices every month. If that's you, get on the list.

MT103/LABS
Vercel .............................. $60.00
AWS .............................. $110.00
Neon DB .............................. $1,000.00
Google Cloud .............................. $982.00
Supabase .............................. $79.00
Auth0 .............................. $49.00
Railway .............................. $42.00
Routing Fee .............................. $0.00
TOTAL ROUTED $2,322.00
STATUS: APPROVED ✓
ALL PROVIDERS PAID