Build financial products on regulated infrastructure.

Launch accounts, payments, cards, and embedded financial products using OneVault's modular APIs — with regulatory compliance and EEA licensing already built in.

Example OneVault API request creating a customer account

API-first infrastructure

Everything you need to embed finance into your product.

From KYC onboarding to card issuing, SEPA payments to multi-currency accounts — every capability is available via API, modular and ready to integrate.

Connected Accounts

Programmatically create and manage accounts for your customers — each with their own IBAN, balance, and transaction history.

Creating a customer account via the API — confirmed for Alex Morgan

Identification

Embed fully compliant KYC and KYB flows into your product — onboard retail customers or businesses digitally in minutes, with no manual review overhead.

Verifying customer identity across Turkey, Europe, and South Africa

Card Issuing

Issue virtual cards instantly and physical cards on demand — Visa-powered, programmable limits, and fully managed through the API.

Payments

Enable your customers to send and receive payments via SEPA Credit Transfer, SEPA Direct Debit, SEPA Instant, or scheduled Payments — all through a single API integration.

Choosing a payment method and confirming a successful settlement

Built by engineers, not bankers

Launch regulated financial products with powerful APIs, modular infrastructure, and a compliance layer that's already been built — so you don't have to.

SEE DEVELOPER DOCS

Single-integration onboarding

Conveniently onboard connected accounts globally with a single integration

Single API integration — Connect once to access the complete onboarding flow.
Unified KYC & KYB — Verify individuals and businesses through one pipeline, with document checks, liveness detection, and sanctions screening handled automatically.
Flexible UI options — Launch quickly with pre-built components or create a fully branded experience using our headless API.
Real-time decisions — Receive onboarding outcomes in minutes, with edge cases automatically flagged and explained.
Built for EEA compliance — Designed to meet AMLD, GDPR, and CySEC requirements from day one.

Global Accounts

Create accounts with local bank details around the world for your customers in minutes.

Global local accounts — Programmatically issue EUR IBANs, GBP account details, and USD routing information.
Multi-currency support — Enable EUR, GBP, USD, and more with one integration.
Named accounts — Customer-owned accounts for simple reconciliation and clear fund ownership.
Real-time data — Access live balances and transactions via API or webhooks.
Safeguarded funds — Customer funds are segregated in line with EMI requirements.

Pre-built components

Card issuing & management — Issue virtual and physical cards with controls for limits, freezing, PINs, and tokenization.
Account & ledger primitives — Manage multi-currency accounts and wallets with real-time balances and transaction history.
Payments & transfers — Move money via SEPA, SWIFT, and local rails for payouts, collections, and internal transfers.
KYC/KYB Onboarding — Built-in identity verification, AML screening, and compliance workflows aligned with CySEC and CBB standards.
Webhooks & developer tooling — Real-time notifications, sandbox access, SDKs, and API documentation.