Everything a financial product needs,
minus the year of paperwork.
Four primitives, one API, one ledger underneath all of them. You wire them together; we hold the licences, the reconciliation and the audit trail.
Accounts
Open a multi-currency account per customer, per entity, or per line of business. The model is yours to choose. Accounts settle into the same ledger, so a balance is never a number you have to reconstruct from a payments log.
- Named accounts with real IBANs in 14 jurisdictions, virtual accounts everywhere else.
- Sub-accounts nest four levels deep, which is enough for a marketplace with escrow.
- Balances are strongly consistent; you never read a stale figure and pay out against it.
Cards
Issue virtual cards instantly and physical cards in about a week. Spend controls are evaluated at authorisation time against the live account balance rather than a nightly snapshot, so a limit means what it says.
- Per-card, per-merchant and per-category limits, changeable without reissuing.
- 3-D Secure handled for you; you receive the outcome, not the flow.
- Authorisation webhooks fire in under 40 ms, and you can decline from your own logic.
Payouts
Local rails in 34 countries, SWIFT for the rest. The API takes an amount and a destination; it picks the rail, handles the cut-off times, and tells you when the money actually landed rather than when it was accepted.
- Batch payouts of up to 20,000 instructions in a single idempotent call.
- FX quoted and locked for 30 seconds, so the number your user saw is the number they get.
- Failures come back with the bank's own reason code, not a generic error.
Ledger
Double-entry, immutable, and the source of truth for everything above. Every card authorisation, payout and fee writes a pair of entries; nothing is ever updated in place.
- Query any balance at any point in time without maintaining your own snapshots.
- Export to CSV, Parquet or a Postgres replica you own.
- Auditors get read-only access scoped to a date range, which saves the quarterly email thread.