USD virtual IBANs for platform flows

Run USD collections and payouts through named accounts. Clear via ACH, Fedwire, and SWIFT from one integration.

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What you run in USD

USD collections

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

Bank account details for ACME Inc showing account and routing numbers, and a list of three received USD payments from Beta Corp, Otsu Inc, and Gamma Ltd with times and amounts.

USD payouts

Send USD payouts with traceability and clean status updates.

Table titled 'Payout Batch' listing four transactions with recipient names, amounts, payment methods, and statuses: Michael Johnson $5,000 ACH Settled, Emily Carter $25,000 Fedwire Sent, Daniel Brooks $12,500 ACH Queued, Sophia Martinez $100 Swift Settled.

Account-level segregation

Separate client money from operating funds with clear controls.

Client accounts list showing US-flagged companies including PHT Financial, Gama Inc, Global Payments, ACME Inc, Doors Ltd, and Otsu with account counts.

Ledger-ready reconciliation

Match every movement to the right account and reference.

Recent transactions list showing times, types, companies, and amounts in USD including received 12,000, payout 8,500, conversion 14,290, and hold placed 2,000.

Rails supported

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ACH

For domestic USD clearing

Fedwire

For high-value USD transfers

SWIFT

For cross-border USD 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.

Client master accounts

Hold safeguarded client money with clear oversight.

Client accounts list showing companies with corresponding flags and numbers, including expanded groups for PHT Financial USA with sub-accounts Gama Inc, Global Payments, and ACME Inc.

Named customer accounts

Attribute funds to each end customer and keep balances segregated.

Form titled 'Create virtual account' with a customer dropdown showing 'Acme Inc' and a currency dropdown listing AED, BAH, USD, and EUR with USD highlighted.

Escrow structures

Support conditional settlement for defined platform flows.

Coming soon

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Integration and controls

Docs

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.

Contact sales

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FAQs

Do USD accounts come with local clearing details?

Yes. USD accounts support the relevant local and cross-border routing formats for clearing and attribution.

Can we issue a USD account per merchant or per end user?

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

Do you support both ACH and Fedwire?

Yes. ACH and Fedwire are supported rails for USD flows.

How do we reconcile inbound USD payments?

Use account-level attribution plus references and webhook updates.

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

Yes. Add currencies as your program expands.