Financial infrastructure built for modern fintechs.

Launch, operate, and scale your financial products with accounts designed for fintech platforms. Create customer balances, manage payment flows, issue cards, and move money globally—all from a single infrastructure layer.

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Designed for builders

Infrastructure that powers your product.

Building a fintech means managing far more than payments. Customer accounts, settlements, compliance, reconciliation, treasury, and partner relationships all need to work together seamlessly.

Wallets & Named IBANs

Give every end customer a named IBAN and dedicated balance — payments arrive pre-identified and ready to reconcile.

Real-Time Ledgers

Every balance and movement updates the moment it happens, so your product and your books never disagree.

Payout Automation

Trigger single or batch payouts by API — scheduled, conditional, or instant — across SEPA and international rails.

Card Issuing

Issue physical and virtual cards under your brand, with limits, controls, and lifecycle management built in.

Treasury & Reconciliation

One view of your float, client funds, and settlement positions — with automated matching that closes the gap between expected and received.

Compliance Controls

Screening, transaction monitoring, and audit trails run under OneVault's EMI framework, so your compliance burden starts lighter.

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From idea to scale

Infrastructure that grows with your platform.

Whether you're launching a marketplace, a payment app, an expense platform, or an embedded finance product, OneVault gives you the building blocks to scale confidently.

Customer account management

Create accounts and balances instantly for every customer, merchant, or partner on your platform.

Global money movement

Support SEPA, SWIFT, and international payment rails to move money across borders with ease.

Issuing and spending controls

Issue cards and manage transaction limits with granular spending controls for every account.

Developer-first integrations

Connect your platform through APIs and webhooks for real-time event-driven workflows.

Built for fintech operations

Everything your platform needs to move money.

Create accounts for every customer.

Generate dedicated accounts, wallets, or Named IBANs for users, merchants, and businesses while managing everything from one dashboard.

Build with APIs.

Integrate account creation, transfers, and reporting directly into your product through developer-friendly APIs.

create_escrow.js

// Initialize OneVault Clientconst client = new OneVault("sk_test_...");// Create an account for a new platformuser const = await client.accounts.create({holder: { type: "individual", id: "usr_123" },{ currency: "EUR", named_iban: true });console.log(account.iban)); // "•••• 4587"