Virtual accounts, as an API
Create managed accounts for your users through one API: balances in up to 16 currencies, held and settled under your brand, with payouts, collections and FX attached to each account. Your users hold money; you never build a ledger, licence stack or liquidity desk.
The balance layer of your product, managed.
Every fintech eventually needs users to hold money, and holding money is the hard part: ledgers, licences, reconciliation, FX. Managed accounts put that on our side of the API, while your brand stays on the front.
Each account holds balances, receives collections, sends payouts and converts currencies with the same calls as the rest of the platform.
An account is one call. The rest is attached.
Create an account per user, then reuse every other endpoint against it: fund it, collect into it, convert inside it, pay out from it.
Transactions priced like everywhere else.
Account activity uses the same published schedule as the rest of the platform: payout fees per market, FX on the quote, collections per rail.