Business banking for the digital age
A modern banking platform, powered by stablecoins and backed by U.S. Treasuries, to make global finance faster, seamless, and secure.
Dakota is a financial technology company, not a bank. Banking services are provided through global bank partners. U.S. partners are FDIC members.
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Get global access to U.S. dollars
Dakota makes it easy for you to access banking services anywhere in the world.
Accept and send USD globally
Transfer USD quickly with ACH, Fedwire, SWIFT, and SEPA so your business can operate globally with ease.
Deposits held as U.S. Treasuries
Funds are fully backed by U.S. Treasuries and remain under your control — not on a bank’s balance sheet.
Earn up to 4% rewards
Earn rewards on your Dakota balance. For higher returns, access risk-adjusted yield through secure DeFi lending.
Corporate cards with controls
Manage expenses effortlessly with virtual and physical cards, complete with spend controls and policies.
Use stablecoins for 24/7 transfers
Move money instantly and globally, without fees, using stablecoins.
Reporting and automation
Stay compliant, eliminate errors, and reconcile your accounts faster with accounting software integrations.
Every dollar backed by U.S. Treasuries
Optimized Operations
Streamline your workflows and operate globally.
Faster Global Payments
Move money faster with a smart transaction router that selects the best banking partner for each transfer.
Simplified Multi-Currency Accounts
Accept and send USD, EUR, and more (local currencies coming soon) with seamless account management.
Automated Accounting Made Easy
Save time with automated accounting tools and advanced reporting to keep your finances in sync.
Maximize Returns, Minimize Risk
Earn up to 4% rewards on your entire balance.
Tailored Yield Options
Earn yield aligned to your risk tolerance, from conservative to growth-focused.
Secure Asset Control
Retain full control of your U.S. Treasury-backed assets, safeguarded from bank failures and institutional risks.
Comprehensive Treasury Tools
Manage crypto, tokenized real-world assets, treasuries, and bonds in one seamless platform.
Business Leaders
Secure, manage, and grow your business, all in one place.
360-view of your treasury
See your entire financial picture in one place by connecting your bank accounts and wallets.
Maintain ownership
Keep control of your assets. They’re never at risk of default on a bank’s balance sheet.
Enterprise security and controls
Set detailed user controls for all levels of account holders with a customizable policy engine.
Bank with confidence, without the bank.
Industry-leading security
Protect your account with hardware-backed authentication, custom security policies, and 3rd-party security audits.
Built-in compliance
Integrated transaction monitoring tools score transactions and automate compliance checks.
Insurance
Deposits and balances are protected by top insurance plans. Hold broad coverage to ensure your assets are safe.
24-7 support
Whenever, wherever you need help, our support channels are standing by. Find us on Slack and know we’ll be there to take care of you.
Frequently asked questions
Can I replace my traditional bank with Dakota?
Yes. With Dakota, you can seamlessly send and receive US dollars just like a traditional bank account. However, behind the scenes, your transactions are smarter and safer. Every dollar you deposit is automatically converted into stablecoins, which are then backed by US treasuries in our secure digital environment.
Can I use Dakota along with my existing bank?
Is Dakota a bank?
How is my money protected with Dakota?
What exactly are stablecoins?
What does "non-custodial" mean at Dakota?
Experience
Our team has built products that custody $100B in crypto and worked at the leading fintech and security companies.
