A bank account for every customer.

Give each customer their own local account number in 11 currencies. They pay by bank transfer, we match every payment to the right customer, and you settle in stablecoin or pay out to your local bank account.

Dedicated account

A permanent account number that belongs to one customer.

One-time account

A temporary account for a single payment, with an expected amount and an expiry.

Paid too little or too much

On one-time accounts we compare what arrived with what you asked for. A difference is flagged and reviewed before it settles, and you get a manual review webhook with the expected and received amounts.

Paid by someone else

For dollar, euro and pound accounts, a payment from a sender who is not your customer can be held for review. The rule depends on your risk tier, so low and medium risk merchants are not slowed down.

Confirmed with the bank

We never credit from a webhook alone. Every payment is checked against the provider before it counts, so a spoofed notification cannot create a payment.

POST /api/v1/virtual-accounts
{
  "customerId": "224ca5c5-f2a6-419b-bf36-73997434d945",
  "currency": "USD",
  "type": "dedicated",
  "reference": "va_1001"
}

// The 201 first returns requires_action with a verification link. Once the customer verifies:
{
  "status": "success",
  "data": {
    "uuid": "9a1c1c52-7b8e-4a52-9f0e-3e6b0a8d6c11",
    "status": "active",
    "currency": "USD",
    "type": "dedicated",
    "bankDetails": {
      "rail": "ach",
      "accountName": "ACME PAY / ADA OKAFOR",
      "accountNumber": "4372970272",
      "routingNumber": "101019644",
      "bankName": "Lead Bank"
    }
  }
}