One integration and partner
Cards, accounts, FX, payments and stablecoins run on one API, one contract and one compliance program.
The platform to launch and grow global financial products.
Cards, accounts, payments, FX and stablecoins through one API, from a single regulated principal.
Everything you need to launch.
Compliance built into the API
Programmatic compliance paired with experts makes it faster and more predictable, with decisions that better reflect the risk.
Hands-on implementation
Forward-deployed engineers build alongside your team, so enterprise programs launch faster.
Build financial products your customers will rely on.
Most teams stitch together a sponsor bank, FX desk, ramp, card processor and compliance vendors. On Dakota, every product shares one onboarding, ledger and compliance program, so adding the next is a configuration change.
NorthlineBusiness
•••• 4417Maya Chen
Spending from the USD balanceUSD 23,715.50
Delta Air LinesTravel− 1,284.50Approved
FigmaSoftware− 540.00Approved
HertzTravel− 312.80Approved
Operating account, Northline Freight
USD 4,812,330.18
- Bank
- Lead Bank
- Routing
- ••••• 1027
- Account
- •••••• 4419
Wire from Halcyon Health+ 250,000.00
ACH from Orbit Markets+ 18,420.55
Payout batch 2207− 412,880.00
Payment to Kestrel Supply GmbH
USD 182,400.00
Created09:14:02
Screened09:14:03
Sent via SWIFT09:14:40
Credited to beneficiary11:02:17
You send
USD 250,000.00
Rate1 USD = 0.9182 EUR
Recipient getsEUR 229,550.00
Quote locked for00:30
Stablecoin balance, treasury
USD 3,250,000.00
Rewards this monthUSD 9,418.36
Redeemable to USD1 to 1
ReservesU.S. Treasuries
Mandate for an accounts payable agent
Up to, per paymentUSD 10,000
PayeesApproved vendors
Outside the mandateAsk for approval
Business onboarding, Atlas Remit Ltd.
Business verifiedKYB
Owners verifiedKYC
Sanctions and PEP screeningClear
Risk rating assignedLow
Ongoing monitoringOn
Dollar building blocks for global products.
Combine cards, accounts, FX, payments and stablecoins into the products your customers need, all on U.S. dollars and one compliance program.
Issue cards that spend directly from your customers’ balances.
Compliance across every productKYC, KYB, sanctions screening and monitoring
01CardsBranded card programs on any balance
02AccountsAccount details and wallets on one balance
03IssuanceA GENIUS-ready, Treasury-backed stablecoin
04FXConvert at locked rates
05PaymentsACH, wire, SWIFT and stablecoin rails
Built on U.S. dollars Held with U.S. banks and in a Treasury-backed stablecoin, redeemable one to one
A regulated principal, trusted at scale.
Dakota holds the licenses, bank relationships and compliance program behind every product, so one team answers every question.
How Dakota is regulated- Annualized volume
- $4B+
- Availability
- 99.99%
- Countries supported
- 140+
Licensed from day one
Your flows run under Dakota’s licenses, so you can launch without your own.
One program to diligence
One BSA/AML program covers every product, run by Dakota’s own team.
Balances you can trust
A GENIUS-ready stablecoin backed by U.S. Treasuries.
Operating partner network
We work closely with a network of bank partners, including Lead Bank and BMO.
SOC 2 reports
Our security controls are independently audited. Reports available upon request.
Evidence for your auditors
Regulators examine Dakota, and independent firms audit our controls.
Your infrastructure partner shouldn’t answer to someone else.
No card network or payments company owns Dakota, so we have no reason to steer your flows or compete for your customers.
We build it with you.
- 1
Map the flow
We map your product, markets and compliance needs and design it with you.
- 2
Onboard once
A single KYB and a single risk review cover every product you turn on.
- 3
Build together
Your engineers build with ours in the sandbox, and we review the integration before launch.
- 4
Launch and grow
Go live in stages and add markets and products with the same team on your account.
Who builds on Dakota.
Business banking and money apps, global marketplaces and payroll platforms, and payment providers use Dakota to launch financial products faster and run them under one compliance program.
Give your customers cards, dollar accounts and global transfers.
Launch a branded card program on the balances your customers hold with you, then add USD accounts and cross-border payments for customers outside the U.S., without becoming a bank.
Uses Cards, Accounts, FX, Payments and Compliance
Business banking on Dakota1Onboard a business customerOne KYB covers every productCompliance
2Issue a USD accountDedicated account details at a partner bankAccounts
3Issue cards on the balanceEvery employee spends from the same accountCards
4Pay a supplier abroadOver SWIFT or stablecoin rails at a locked ratePayments, FX
Pay every seller, creator and worker, wherever they are.
Collect, hold and pay out on your own schedule, by bank transfer or by stablecoin where local banking is slow. Give sellers an account and a card on the balance they earn with you.
Uses Accounts, Payments, Cards, Issuance and Compliance
Marketplaces on Dakota1Collect buyer paymentsInto accounts you controlAccounts
2Verify every payeeKYC, KYB and sanctions screening at sign-upCompliance
3Hold balances until payout dayOptionally earning rewardsIssuance
4Pay out in bulkTo bank accounts and stablecoin walletsPayments
New corridors and faster settlement behind your own product.
Add stablecoin settlement, FX and payouts to the network you already run. Our team builds it with yours, and your customers keep working with you, under your brand, while Dakota runs underneath.
Uses Payments, FX, Accounts and Compliance
Payment providers on Dakota1Fund by wireInto your Dakota accountAccounts
2Settle over stablecoin railsIncluding nights and weekendsPayments
3Convert at the destinationAt a rate locked before you sendFX
4Reconcile in one placeOne ledger and one counterpartyConsole
Ready to build? Start in the sandbox.
Self-serve access to the API, docs and a sandbox that behaves like production. Build with Claude Code, Codex or your own agent using our starter skills, and move to a sales-led plan whenever you need to.
# Onboard a business customer curl -X POST https://api.platform.sandbox.dakota.xyz/customers \ -H "x-api-key: $DAKOTA_API_KEY" \ -H "Content-Type: application/json" \ -d '{"customer_type": "business", "name": "Acme Corp"}' # Give them a USD account that settles to USDC curl -X POST https://api.platform.sandbox.dakota.xyz/accounts/onramp \ -H "x-api-key: $DAKOTA_API_KEY" \ -d '{"capabilities": ["ach"], "source_asset": "USD", "destination_asset": "USDC", "destination_id": "2hCjx..."}'
Developer tools
SDKs and clients
Typed SDKs and client libraries to ship faster.
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