Your business runs on the wrong cards.
Basel reads your three most recent months of card transactions and computes the exact dollars you're forfeiting to bad routing. Then it hands you the plan to capture them.
Everyone runs everything through one card.
And the one player who could tell you what it costs is the one selling you the card.
One card carries everything
Most businesses put $20k–$500k a month on whatever card the founder opened first, usually a flat 1.5%. Ads, shipping, SaaS, travel: all earning the minimum.
The gap is $5k–$30k a year
Category earn rates differ by 3–4× across cards. Routed correctly across three or four cards, the same spend earns dramatically more, every single month.
Nobody will tell you
Every issuer (Ramp, Brex, Amex, Chase) is structurally incapable of recommending a competitor's card. Their revenue depends on capturing your spend. Ours doesn't.
From connection to found money in three steps.
No spreadsheet, no research rabbit hole. Connect data, read one number, follow the checklist.
Connect
Link accounts read-only through Plaid, or drop a CSV export. Basel ingests your three most recent months.
See the leak
Every transaction is categorized, then the optimizer scores your spend against every wallet in the catalog.
Capture it
Simple routing rules plus a vendor-by-vendor checklist, ordered by dollars recovered.
Four artifacts. Zero homework.
Everything is built to be acted on: a number, a set of rules, a checklist, and a watchdog.
The Leakage Report
"Your setup earns $17,733 a year. The optimal setup earns $31,083." The gap by category, with the math shown. In-app and as a board-ready PDF.
The Routing Plan
Which card for which spend, stated as rules anyone on your team can follow without thinking.
The Migration Checklist
The exact recurring vendor charges to move, per card, ordered by annual dollars recovered. Updating cards-on-file is the only real work, so we made it a checklist, not a chore.
Ongoing monitoring
Spend drifts. Issuers change terms. New cards launch. Basel re-optimizes monthly and alerts you when the math changes, so the report never goes stale.
Neutral like Switzerland.
We issue no card.
Basel makes money from subscriptions, not from your spend. The optimizer is bounty-blind: it scores cards on published earn rates, caps and fees. It cannot see which cards pay us referral bounties. When your current setup is already optimal, the report says exactly that.
| Who | Will recommend |
|---|---|
| Ramp | Ramp, every time |
| Brex | Brex, every time |
| Amex | Amex, every time |
| Chase | Chase, every time |
| Basel | Whatever the arithmetic says, including "keep what you have" |
"I found you $13k" is the best client email you'll send this year.
Run the Leakage Report across every client book from one dashboard. White-labeled PDF exports, per-client routing plans, and a recurring deliverable that proves your value every quarter.
Questions, answered straight.
The short version: read-only access, conservative math, and a business model that doesn't need you to switch cards.
Is this safe? What can Basel see?+
Basel has read-only access to transaction data, via Plaid or a CSV you export yourself. We never see bank credentials (OAuth handles that), we can't move money, and we can't open cards. Data is encrypted in transit and at rest.
What if my current setup is already optimal?+
Then the report says so, plainly. Around one in six businesses we analyze are already within a few hundred dollars of optimal, usually Ramp or Brex shops with simple spend. We'd rather tell you that than invent a reason to switch.
How does Basel make money?+
A subscription for the routing plan and ongoing monitoring. When the optimizer finds a genuine gap that a new card would fill, some issuers pay an application bounty; those recommendations carry a visible disclosure, and the optimizer itself never sees bounty data.
Do I need to open new cards?+
Often no. The first thing the report shows is the best you can do with only the cards you already hold. Re-routing is free money before any application, and new-card recommendations appear only when the gap clears a meaningful threshold after fees.
Where do the card earn rates come from?+
Our card rules catalog: published earn rates, caps, fees and point valuations for the top US business cards, versioned with effective dates and reviewed monthly. It's the core of the product; see the methodology page for the full model.