Every Banking Capability. One Codebase.

Multi-Asset Support

Hold and transact in multiple currencies and assets from a single account. Support for fiat, crypto, and commodities.

Instant Settlements

Real-time transaction processing with event-sourced settlement. Configurable for instant or T+1 settlement based on your compliance requirements.

Democratic Governance

Stake-weighted voting on monetary policy and platform decisions. Monthly governance cycles with transparent tallying and event-sourced audit trails.

Bank Integration Patterns

Open Banking-compliant API adapters including Ondato KYC, Chainalysis sanctions screening, and Marqeta card issuing. Full GraphQL API with 12 card operations, spend limit enforcement, REST API with webhooks, and account verification.

Developer APIs

Full REST coverage with OpenAPI specs, GraphQL across 45 domains with real-time subscriptions, and configurable webhooks.

Cross-Chain & DeFi

Bridge assets across EVM chains and Solana. Production-ready adapters with ABI encoding and RPC integration for Wormhole, Circle CCTP, Uniswap V3, and Aave V3.

Bank-Grade Security

Quantum-resistant encryption, multi-factor authentication, and comprehensive security measures protect your assets.

Privacy & Identity

Prove compliance without exposing data. ZK-KYC proofs, W3C verifiable credentials, soulbound tokens, Shamir key management, and production ZK proving with 5 Circom circuits and Solidity verifier contracts.

Mobile Payments

Payment intents, passkey authentication, P2P transfers, activity feed, ERC-4337 smart account abstraction, and Solana wallet integration with real-time balance monitoring.

RegTech Compliance

MiFID II, MiCA, and Travel Rule compliance with jurisdiction-specific adapters and automated regulatory reporting.

Banking-as-a-Service

Partner APIs, official SDKs (TypeScript, Python, PHP), embeddable widgets, and usage-based billing.

6 specialized agents, 24 MCP tools, ML anomaly detection, Temporal workflow orchestration, and multi-agent consensus engine.

DID authentication, A2A messaging, escrow with dispute resolution, reputation scoring, and AP2 payment mandates for autonomous agent commerce.

Multi-Tenancy

Team-based isolation with persistent audit logging, EnforceTenantPlanLimits middleware, soft-delete with 14-day grace period, data migration table whitelisting, and per-tenant configuration.

GraphQL API

Lighthouse-powered GraphQL covering 45 domains with real-time subscriptions, N+1 safe DataLoaders, and cursor-based pagination.

Plugin Marketplace

Extensible plugin system with sandbox execution, static security scanning, hook-based integration, and a plugin manager UI.

Event Streaming

Redis Streams-powered event streaming with a live dashboard, consumer groups, backpressure handling, and dead-letter queues.

HTTP-native micropayments with USDC on Base, Ethereum, and Solana. Instant settlement, AI agent autonomous payments, spending limits, and multi-network support.

Programmatic Visa card payments for AI agents and developer billing. MCP tools, spending limits, card enrollment, and invoice collection.

Manage payments, SMS, wallets, and API monetization from the terminal. Built for humans and AI agents with dual output: tables or JSON.

Give autonomous AI agents a compliant bank account. Virtuals Protocol integration with TrustCert identity, spending limits, and Pimlico enforcement.

Three payment protocols for AI agents: x402 (USDC), MPP (Stripe + Lightning + stablecoins), and AP2 enterprise mandates. Multi-rail SMS payments via VertexSMS.

Compliance Certification

SOC 2 Type II and PCI DSS readiness tooling with continuous control monitoring, evidence collection, and GDPR enhanced privacy.

ISO 20022 Messaging

Standards-compliant financial messaging with 8 message types (pacs, pain, camt). Parse, generate, and validate ISO 20022 XML with REST + GraphQL APIs.

Open Banking & PSD2

Full PSD2 consent lifecycle with AISP and PISP services. Berlin Group NextGenPSD2 and UK Open Banking adapters. TPP registration with eIDAS certificate validation.

Payment Rails

Multi-rail payment processing: ACH (NACHA file generation), Fedwire, RTP, FedNow (ISO 20022 native), SEPA Direct Debit, and SCT Inst. Intelligent routing selects the optimal rail automatically.

ISO 8583 Card Processing

Full card network message processing with bitmap codec. Authorization, reversal, and settlement handlers for direct Visa/Mastercard integration.

Interledger Protocol

Cross-network value transfer with ILP connector, Open Payments (GNAP authorization), and cross-currency quotes. Bridge fiat and crypto payment networks.

Double-Entry Ledger

Production-grade accounting engine with chart of accounts, journal entries, trial balance, and GL auto-posting. PHP-native default with optional TigerBeetle driver for extreme throughput.

Microfinance Suite

Complete inclusion banking: group lending with joint liability, IFRS loan provisioning, cooperative share accounts, teller operations, field officer tools, and savings products with dormancy tracking.

Developer Experience

Partner sandbox provisioning with 3 seed profiles, webhook testing and replay, API key management CLI. Everything developers need to integrate quickly.