Account details for every customer
Issue dedicated U.S. account details through the API, so each customer can receive ACH and wire transfers.
USD accounts and stablecoin wallets on one balance.
Give each customer dedicated U.S. account details and a stablecoin wallet. Money sent by ACH, wire, SWIFT or stablecoin lands in one balance they can spend, convert or pay out.
Account detailsActive
Northline Freight
- Bank
- Lead Bank
- Routing
- ••••• 1027
- Account
- •••••• 4419
- Wallet
- 0x7a3f…c91e
ACHWireSWIFTStablecoin
BalanceOne balance
USD 4,812,330.18
Wire from Halcyon HealthWire+ 250,000.00Posted
USDC from Orbit MarketsStablecoin+ 84,210.00Posted
Payout batch 2207ACH, 312 payees− 412,880.00Posted
One account for every way money moves.
Most companies take bank transfers through one provider and hold stablecoins with another, then reconcile the two. On Dakota, both land in one balance, on one ledger, under one compliance program.
Bank transfers and stablecoins on one balance
Deposits by ACH, wire, SWIFT or stablecoin land in the same balance, and can leave by any of them.
Wallets built in
Every account comes with a stablecoin wallet, secured with institutional-grade key management and policies you set.
For companies that hold money for their customers.
Accounts work best when your customers need to receive, hold and send money through your product, in dollars or stablecoins.
See if accounts fit- Business banking and money appsGive customers in and outside the U.S. dollar account details and a wallet in your product.
- Marketplaces and payrollCollect buyer payments into accounts you control, then hold balances until payout day.
- Payment providers and PSPsFund by wire or SWIFT and settle over stablecoin rails from the same account.
- Stablecoin and crypto platformsLet users deposit by bank transfer and receive stablecoins, or withdraw stablecoins as dollars.
How money moves through an account.
From the first deposit to the last payout, every step runs through the same API, ledger and compliance program.
- 1
Onboard once
One KYB or KYC covers each customer for accounts and every other product you turn on.
- 2
Issue the account
Create U.S. account details and a wallet through the API, ready to receive.
- 3
Receive
Take ACH, wire, SWIFT or stablecoin deposits. Every sender is screened before funds post.
- 4
Put it to work
Pay out, spend on cards, convert currencies or hold in RD, all from the same balance.
Approvals on every dollar that leaves.
Set who can move money, how much, and where it can go. Payments outside policy wait for the right people to sign.
- Approval policies by amount, destination or team
- Signer groups for bank transfers and wallet payments
- Roles and permissions for every user
- An event for every deposit and payment, so your app updates in real time
Wallets for agents
Give an AI agent its own wallet with a mandate: a limit, the destinations it may pay, and a signer for anything outside it.
Payment to Kestrel Supply GmbHApproved, sent
USD 182,400.00
- Policy
- Over USD 100,000
- Requires
- 2 of 3 signers
- Destination
- Approved payee
- Rail
- SWIFT
J. PatelApproved
M. ChenApproved
R. OrtizNot needed
Add the rest of the platform when you’re ready.
Every product below runs on the same balance, under the same onboarding and compliance program.
One compliance program behind every account.
Dakota runs the compliance program behind every account you open and works with your team on reviews and disputes.
- KYB and KYC on every account holder
- Sanctions screening on every deposit and payment
- Transaction monitoring and blockchain analytics
- Funds held in segregated accounts at U.S. partner banks
Build it in the sandbox.
Open accounts, issue wallets and move money through one API. Build with Claude Code, Codex or your own agent using our starter skills and agent-shaped docs.