Thera provides an AI-native finance operating system for global businesses, offering payroll processing for W2 employees, contractors, and employer of record services, along with treasury, spend management, invoicing, and AP/AR automation. It enables compliant hiring and payments in 135+ countries with best-in-class exchange rates and FDIC-approved accounts. Backed by Y Combinator, Thera serves fast-growing companies like Oceans and Zendrop, processing tens of millions in annual payroll.