Embedded banking infrastructure for fintechs and PSPs
Open dedicated IBAN accounts for your end-users via omnibus or child account architecture. Built for fintechs, PSPs, and licensed financial institutions.
SEPA
Credit Transfer & Instant
SWIFT
MT103 cross-border
IBAN
Omnibus & child accounts
API
First-class integration
Built on the rails your customers already use
Two account models. One infrastructure.
Choose the structure that fits your regulatory model and product design.
Omnibus Account
A single regulated IBAN holds the commingled funds of all your end-users. You manage the internal sub-ledger. Best for high-volume platforms with strong reconciliation.
- One regulated account, unlimited end-users
- Lower per-user operational cost
- Real-time internal ledger synchronization
- Automated reconciliation & settlement reports
- SEPA Instant, SWIFT, FX rails included
Child Account
Each end-user gets a dedicated IBAN. Funds are fully segregated, simplifying audit and end-user transparency. Best for regulated products requiring named accounts per customer.
- Dedicated IBAN per end-user
- Direct deposits in customer's name
- Native segregation, no internal ledger logic required
- Built-in KYC/AML routing per account
- SEPA Instant, SWIFT, FX rails included
Everything you need to launch a regulated product
Banking rails, compliance, reconciliation — all from a single API.
Multi-currency IBANs
EUR, USD, GBP, CHF, and 20+ more, issued in EU/UK/US.
SEPA Instant & SWIFT
Real-time settlement across SEPA Zone, full SWIFT global coverage.
FX & Currency Conversion
Institutional FX rates, lock-in pricing, 40+ currency pairs.
Compliance & KYC engine
Automated AML/CFT screening, sanctions lists, transaction monitoring.
Real-time reconciliation
Sub-second internal ledger sync, daily settlement reports.
Sandbox & SDKs
Test environment in 5 minutes. REST + webhooks. SDKs for Node, Python, Go.
Operate at the speed of your business
Real-time visibility, multi-account control, audit-ready reporting.
Total Balance
$1,284,540
+12.4%
Pending
$42,180
8 txns
Volume (MTD)
$3,247,891
+18.2%
Active Users
12,847
+342
Go live in days, not months
Three steps from sandbox to production.
Apply
Submit your company profile, licenses, and intended use case.
Sandbox
Get sandbox keys in 24h. Test integration with real-like data.
Production
Move to production after compliance review. We assist.
Built for every business model
Neobanks
Launch and scale digital banking products.
Crypto exchanges & on-ramps
Fiat on/off-ramps with full compliance.
PSPs & payment platforms
Multi-currency payment acceptance and payout.
Lenders & BNPL
Disburse and collect via dedicated accounts.
SaaS with embedded finance
Add banking to your platform natively.
Cross-border marketplaces
Pay sellers globally in local currency.
Simple, transparent pricing
No setup fees. No hidden charges. Pay for what you use.
Starter
$0.10 per transaction
For early-stage fintechs validating PMF
- Up to 1,000 end-users
- SEPA + 5 currencies
- Email support
- Sandbox access
- $0 setup fee
- Basic reporting
Growth
Volume-based tiers
For scaling fintechs
- Up to 50,000 end-users
- Full SEPA + SWIFT + 20 currencies
- Priority support, dedicated CSM
- Production within 48h
- Volume tiers
- Advanced analytics
Enterprise
Tailored to your needs
For licensed institutions
- Unlimited end-users
- All rails, all currencies
- 24/7 support, dedicated infrastructure
- SLA-backed uptime
- Compliance white-glove onboarding
- Custom integrations
Frequently asked questions
Ready to build regulated products faster?
Start your sandbox integration today. Production access in days.