AED virtual IBANs for platform flows

Run AED collections and payouts through named accounts. Clear via IPP, FTS, and SWIFT from one integration.

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What you run in AED

AED collections

Receive AED into named accounts for each merchant, client, or user.

Bank account summary for ACME Inc with IBAN AE07 0331 2345 6789 0123 456 showing three received payments from Beta Corp, Otsu Inc, and Gamma Ltd. totaling 16,100 AED.

AED payouts

Send AED payouts with traceability and clean status updates.

Payout Batch list showing four recipients with their names, payout amounts in dirhams, payout methods, and statuses: Settled, Sent, Queued.

Account-level segregation

Separate client money from operating funds with clear controls.

Client accounts list showing companies such as PHT Financial with 134, Gama Inc with 1, Global Payments with 23, and sub-accounts ACME Inc, Doors Ltd, Otsu, and Elank.

Ledger-ready reconciliation

Match every movement to the right account and reference.

Recent transactions list showing times, transaction types, companies, and amounts in AED currency, including received 12,000 AED from Krea Inc and payout 8,500 AED to Gama Ltd.

Rails supported

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IPP

For instant UAE AED transfers

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FTS

For high-value UAE AED transfers

SWIFT logo featuring a blue globe with latitude and longitude lines behind the acronym S.W.I.F.T.

SWIFT

For cross-border AED routing

Solutions

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Payroll & EOR platforms

Instant account creation and global payouts without local banking setup.

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Trading & investment platforms

Multi-currency client accounts and instant settlements across markets.

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Fintech & PSPs

Banking-grade infrastructure to build and scale financial products.

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Marketplaces

Instant account creation and fund settlement for multi-party platforms.

How it fits into your account structure

Operational accounts

Run treasury and prefunding for each program.

Dashboard showing operational accounts total balance: 120 million AED, 11 million EUR, and 5 million GBP, all marked active.

Client master accounts

Hold safeguarded client money with clear oversight.

Client accounts panel showing hierarchical list of PHT Financial accounts by country, including expanded UAE accounts with subsidiaries Gama Inc, Global Payments, and ACME Inc.

Named customer accounts

Attribute funds to each end customer and keep balances segregated.

Interface for creating a virtual account showing customer as Acme Inc and a dropdown menu to select currency with options AED, BAH, EUR, and GBP, each with respective flags.

Escrow structures

Support conditional settlement for defined platform flows.

Coming soon
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Integration and controls

Docs
Code snippet showing a curl POST request with JSON data for a payment transfer of 8000 AED, displayed alongside a payment confirmation panel with amount, currency AED, sender ACME Inc, and reference INV-1253.

Single API surface

Issue accounts, move funds, and pull reporting through one integration.

Sandbox and rollout

Test end-to-end flows before go-live, then launch in phases.

Permissions and audit trails

Control access by role and keep a full record for finance and ops.

Enter new markets with 
speed and certainty

Share your primary currencies and corridors, and align on timelines.
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FAQs

Do AED accounts come with local clearing details?

Yes. AED accounts support UAE routing formats and account-level attribution.

Can we issue an AED IBAN per merchant or per end user?

Yes. Issue named AED IBANs at scale, aligned to your program structure.

Do you support UAE local rails for AED?

Yes. IPP and FTS support UAE domestic AED clearing, with SWIFT for cross-border routing.

How do we reconcile inbound AED transfers?

Use account-level attribution plus references and webhook updates.

Can we start with AED only and add more currencies later?

Yes. Add currencies as your program expands.