One balance behind every card
Cards spend directly from the balance your customers already hold with you. Accounts, cards and payouts all draw on one balance layer.
Card programs with the whole platform behind them.
Launch branded cards on stablecoin infrastructure, built for customers who hold and move money globally.
Card authorizationApproved
EUR 412.00
Bairro Alto Hotel, Lisbon
Card controls checkedTravel, within limit
Balance checkedUSD 18,240.00
Converted at the card rateUSD 448.71
Merchant screenedClear
Approved and postedUnified ledger
Start with a card. Build the product around it.
Most card programs sit apart from everything else a company offers. On Dakota, the card shares one balance, one ledger and one compliance program with your accounts, FX and payouts.
One platform behind the card
Accounts, FX, payouts and rewards on balances run on the same ledger and the same compliance program as the card.
Built with you
Our team designs the program with yours and builds alongside your engineers, so you launch faster.
For companies that already hold a balance.
Card programs work best when you already hold money or run payouts for your customers. The card gives them a way to spend it, and gives you a product they use every day.
See if your program fits- Business banking and spend platformsCorporate and employee cards on the accounts your business customers keep with you.
- Marketplaces with seller balancesLet sellers spend what they earn before it’s paid out, on a card in your brand.
- Payroll and contractor platformsBusiness-purpose cards for contractors and teams, funded from the same payroll run.
- AP, expense and procurement softwareCards with real-time controls for the purchases your product already approves.
How a program comes together.
The same team stays with you from the first workshop to your first cardholders, and through every product you add after.
- 1
Design the program
We work out cardholders, spend controls and how cards are funded with your product and compliance teams.
- 2
Onboard once
One KYB covers your company. Cardholder KYC runs through the API, under Dakota’s compliance program.
- 3
Build and test
Your engineers issue, fund and control cards in the sandbox, and we review the integration before launch.
- 4
Launch and expand
Go live with your first cardholders, then add accounts, FX and payouts on the same integration.
Customer controls, enforced on each swipe.
Set limits, merchant categories and approval rules for each card or team, and see every authorization as it happens.
- Spend limits by card, team or period
- Allowed and blocked merchant categories
- Approval for anything outside policy
- An event for every authorization, so your app updates in real time
Cards for agents
Give an AI agent its own card with a mandate: a limit, the merchants it may pay, and an approval step for anything outside it.
Card controls, Maya Chen
Travel and softwareActive
Spent this monthUSD 2,340.00 of 5,000.00
- Monthly limit
- USD 5,000.00
- Per purchase
- USD 2,500.00
- Categories
- Airlines, hotels, software
- Blocked
- Cash, gambling
USD 3,180.00 at LufthansaOver the per-purchase limit. Sent to J. Patel for approval.
Add the rest of the platform when you’re ready.
Every product below runs on the balance behind your cards, under the same onboarding and compliance program.
One compliance program behind every card.
Dakota runs the compliance program behind your cards and works with your team on reviews and disputes.
- Business KYB and cardholder KYC
- Sanctions screening on every cardholder
- Transaction monitoring and fraud rules
- Program rules managed by Dakota’s compliance team
Build it in the sandbox.
Issue, fund and control cards through the same API as accounts and payments. Build with Claude Code, Codex or your own agent using our starter skills and agent-shaped docs.