Dakota filed an application with the OCC for a national trust bank charter. Learn more
Dakota

The regulated operating system
for programmable global money.

Move money globally through one API. Dakota unifies fiat rails, stablecoins, FX, wallets, and compliance into one programmable platform.

Venly
Tuyo
Unto Labs
BRD
AllScale
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HEVN
Echo Money
sera.cx
Webslinger
PERc
ReinX
Venly
Tuyo
Unto Labs
BRD
AllScale
Oro
HEVN
Echo Money
sera.cx
Webslinger
PERc
ReinX
Venly
Tuyo
Unto Labs
BRD
AllScale
Oro
HEVN
Echo Money
sera.cx
Webslinger
PERc
ReinX
Venly
Tuyo
Unto Labs
BRD
AllScale
Oro
HEVN
Echo Money
sera.cx
Webslinger
PERc
ReinX
Venly
Tuyo
Unto Labs
BRD
AllScale
Oro
HEVN
Echo Money
sera.cx
Webslinger
PERc
ReinX
Venly
Tuyo
Unto Labs
BRD
AllScale
Oro
HEVN
Echo Money
sera.cx
Webslinger
PERc
ReinX
Venly
Tuyo
Unto Labs
BRD
AllScale
Oro
HEVN
Echo Money
sera.cx
Webslinger
PERc
ReinX
Venly
Tuyo
Unto Labs
BRD
AllScale
Oro
HEVN
Echo Money
sera.cx
Webslinger
PERc
ReinX
Venly
Tuyo
Unto Labs
BRD
AllScale
Oro
HEVN
Echo Money
sera.cx
Webslinger
PERc
ReinX
Venly
Tuyo
Unto Labs
BRD
AllScale
Oro
HEVN
Echo Money
sera.cx
Webslinger
PERc
ReinX
Venly
Tuyo
Unto Labs
BRD
AllScale
Oro
HEVN
Echo Money
sera.cx
Webslinger
PERc
ReinX
Venly
Tuyo
Unto Labs
BRD
AllScale
Oro
HEVN
Echo Money
sera.cx
Webslinger
PERc
ReinX

A modular system for programmable money movement.Purpose-built to bring banking, stablecoins, custody, FX, and compliance into one regulated API

Cards

Issue stablecoin-backed debit cards to your users.

Coming soon
•••• 4242

Compliance, built into the platform

Dakota is the regulated principal

Operate under one licensed, audited compliance program, instead of inheriting three to five when you stitch vendors together, each with its own policies, risk appetite, and monitoring.

Compliance is programmable

Reduce PDFs and manual handoffs, with purpose-built tooling and compliant infrastructure. Deliver faster onboarding with effective risk management, including transaction monitoring and screening.

KYB / CIP
Business and beneficial-owner verification
AML screening
Anti-money-laundering checks
Sanctions checks
Sanctions and watchlist screening
Transaction monitoring
Ongoing transfer monitoring
Blockchain analytics
On-chain counterparty risk
Reserve attestations
Reserve backing reports

Built for how you move money

Launch a neobank

The regulated banking stack the partner-bank + middleware model couldn't deliver. Accounts, payments, and global settlement.

Controlled agentic payments

Let AI agents move money inside human-signed mandates, with policy enforced in the infrastructure. Every action attributable.

Global contractor & seller payouts

Pay creators, suppliers, and contractors across 130+ jurisdictions, in USD, stablecoin, or local fiat, settled in seconds.

Embedded finance for fintechs

Custody, payments, payouts, treasury, and compliance on one regulated platform.

Regulated stablecoin issuance

Issue stablecoin, backed 1:1 by cash and Treasuries, and revenue share on the reserves.

Cross-border B2B payments

Move money between businesses across borders with settlement in minutes, not days. Compliance is built in, so payments clear faster.

Global payroll

Add stablecoin payroll to your platform. Settled in under a minute, across 130+ countries.

Don’t see your use case? Talk to sales

Everything you need to build

Build with Claude Code, Cursor, or your own agent. Fork the skills or write your own and point it at docs.dakota.xyz; the docs were built for agents too.

agentic-build-skills
GitHub
skills
dakota-sdk-bootstrap/SKILL.md
dakota-customer-onboarding/SKILL.md
dakota-receive-usdc/SKILL.md
dakota-receive-usd/SKILL.md
dakota-send-payment/SKILL.md
dakota-sandbox-testing/SKILL.md
dakota-compliance-policies/SKILL.md
Sandbox

Our Sandbox

Same API surface as production. Spin one up.

Open the sandbox
Skills

Starter skills

Use them, fork them, or write your own.

Browse on GitHub
Docs

Agent-shaped docs

Endpoints designed for agent interpretation.

Read the docs
Developer tools

SDKs and clients

Typed SDKs and client libraries to ship faster.

Browse developer tools

Start today, or scale with us

Pricing
Pay-as-you-go25 bps flat
EnterpriseCustom
Commitment
Pay-as-you-goNo minimum, cancel anytime
EnterpriseAnnual contract
Support
Pay-as-you-goSlack, email, docs, Support Center
EnterpriseDedicated account manager, private Slack channel
Onboarding
Pay-as-you-goReview in less than 24 hours
EnterpriseCustomer import tools and account support

Changelog

  1. Reuse Existing KYC Verifications

    Your customers can now skip repeat identity verification when they've already completed KYC with Sumsub or Persona. Import existing verifications and speed up onboarding.

  2. Wallets, Policies & Signers Dashboard

    Your platform now includes a complete read-only dashboard for wallet governance.

  3. Intelligent Payment Rail Selection

    Fiat transactions now route through the optimal payment network automatically. The platform picks the best rail based on your destination, currency, and speed requirements.

  4. Pay as You Go, Live

    Self-serve onboarding is now available. Sign up, start integrating, and pay only for what you use.

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