Dakota

A global financial account for USD and stablecoins

Open and manage USD accounts anywhere in the world, and move funds across bank rails and blockchains in minutes

Account · acc_2abc
USD1,240,500.00
USDC318,900.00
Cross-border · Settled
Vendor payout $248,500
USDC → USD · settled in under 15 minutes
Rails · One integration
ACHSWIFTUSDCUSDTOnchain

A global financial account for modern businesses

A unified global financial account for USD and stablecoins. Move, convert, and settle funds in one place with near-instant settlement and programmable workflows across 100+ countries.

Designed for businesses that need dependable USD access, multi-currency treasury, global payouts, and onchain settlement, without the complexity.

usd, now global

A modern USD account for global businesses

01
USD accounts for global entities
Reliable banking access for companies operating across the US, Cayman Islands, Europe, LATAM, and Asia.
02
Stability and predictability
Maintain balances with full regulatory oversight and strong liquidity.
03
Faster, global payment rails
Manage business payments across global rails including SWIFT, ACH, and stablecoins.
import { DakotaClient } from "@dakota-xyz/ts-sdk";
 
const client = new DakotaClient({ apiKey });
 
const account = await client.accounts.create({
  account_type: "onramp",
  source_asset: "USD",
  destination_asset: "USDC",
  destination_network_id: "ethereum-mainnet",
  capabilities: ["ach"],
  rail: "ach",
});
under 15 minutes

Move money across banks and blockchains in minutes

01
Bank-to-bank transfers across borders
Move funds internationally with lower credit risk and transparent pricing.
02
Stablecoin settlement, near-instant delivery
Switch to onchain rails when you need 24/7 finality.
03
Multi-currency support
Access and convert between USD, stablecoins, and select fiat currencies.
ROUTE
Financial account
USD · USDC
Bank transferach
Wireswift
Onchainusdc
Onchainusdt
pay-in, anywhere

Accept and send payments globally, at low cost

01
Accept USD or stablecoin payments
Let customers pay however they prefer, with near-instant settlement.
02
Immediate availability of funds
No multi-day holds or batch settlements.
03
Lower cost than traditional processors
Reduce fees while unlocking a truly global customer base.
ACCEPTED IN
One balance, every rail.
ACHSWIFTUSDCUSDTDKUSD
Route by cost, speed, or customer preference. Failed rails re-route automatically.
payouts / payroll

Power payouts, payroll, and vendor payments at global scale

01
Pay contractors and employees in seconds
Stablecoin payouts that are near-instant, low cost, and borderless.
02
Marketplace and platform distributions
Automate vendor, seller, or creator payments globally.
03
Treasury-grade controls
Role-based access, approval workflows, and audit logs baked in.
TREASURY CONTROLS
L1
Role-based access
Admins, treasury, operators, and auditors each see only what their role authorizes.
L2
Approval workflows
Spend limits, dual-authorization, and multi-step review before funds leave the account.
L3
Audit logs baked in
Every action, approval, and reversal is logged and exportable for compliance review.

What you can build with the Financial Account.

Global business banking

Offer USD accounts to international entities without the friction of legacy banks.

Multi-rail treasury operations

Move liquidity near-instantly across chains and bank networks.

Global payout systems

Support contractor, supplier, and marketplace distributions worldwide.

Merchant acceptance flows

Accept USD and stablecoins with immediate settlement.

Built for teams that need dependable USD, everywhere.

Marketplaces and platforms

Support vendor payouts, customer payments, and treasury operations across borders.

Fintechs and PSPs

Embed global USD accounts and multi-rail payments into your product.

Global HR and payroll

Pay global teams near-instantly using stablecoins or bank rails.

Global businesses and funds

Move USD internationally, no matter where your entity is headquartered.

A modern financial account for global businesses

Dependable USD access, multi-currency treasury, global payouts, and onchain settlement, without the complexity.