Zero-fee banking stack: build smart, pay nothing. Zero-Fee Banking Layered Setup for 2025: Smart Structures for Global Savers Traditional banks often erode your capital with hidden fees, conversion charges, and minimum balance traps. In contrast, the zero-fee banking layered setup empowers HNWIs and global entrepreneurs to construct a multi-tiered, fully digital banking stack with no monthly charges or FX gouging. Core Principles of the Zero-Fee Banking Stack This setup is built on three strategic layers: Foundation Layer: A virtual bank or EMI with multi-currency support and no account fees. Wise (affiliate) is a prime example, offering seamless global banking at near-zero cost. Buffer Layer: Secondary platforms like Deel (affiliate) provide payroll, invoicing, and international payouts without hidden conversion fees. Firewall Layer: Optional offshore LLC-linked accounts that protect assets while enabling FX control. Learn how HNWIs use private banking w...