Every rail, one API
Send and receive by ACH, wire, SWIFT or stablecoin through a single integration and a single balance.
Send and receive by ACH, wire, SWIFT or stablecoin.
Pay suppliers, sellers and workers from one balance and one API. Stablecoins run underneath, so money keeps moving on nights and weekends.
New paymentFrom one balance
USD 182,400.00
- To
- Kestrel Supply GmbH
- Country
- Germany
Rail
ACHU.S. banking days
WireU.S. banking hours
SWIFTInternational banks
StablecoinAny day, any hour
Payment statusCredited
USD 182,400.00
Tuesday, 09:14
CreatedAPI
Beneficiary screenedClear
Sent via SWIFT09:14
Credited to recipient11:02
PostedUnified ledger
One integration for every way you pay.
Most companies wire through one bank, pay out through another provider and move stablecoins through a third. On Dakota, every rail runs from the same balance, ledger and compliance program.
Money that moves after hours
Stablecoin rails settle nights, weekends and holidays, so payments don’t wait for bank hours.
Screened in line
Every payment is screened before it leaves, inside the payment flow instead of in a separate queue.
Pick the rail for each payment.
Use the rail that fits the recipient, the amount and the deadline. Every one runs from the same balance and posts to the same ledger.
RailBest forWhen it runs
- ACHPayroll, bills and recurring payments in the U.S.U.S. banking days
- WireLarge or time-sensitive payments in the U.S.U.S. banking hours
- SWIFTPayments to bank accounts outside the U.S.International banking hours
- StablecoinCross-border settlement and payouts to walletsAny day, any hour
For companies that move money for others.
Payments work best when your product pays out, collects or settles on behalf of your customers, at home and abroad.
See if payments fit- Business banking and money appsLet customers pay suppliers in the U.S. and abroad from the same balance.
- Marketplaces and payrollPay sellers, creators and workers in bulk, to bank accounts or wallets.
- Payment providers and PSPsAdd corridors and settle over stablecoin rails, under your own brand.
- Stablecoin and crypto platformsMove between bank rails and stablecoins in either direction.
How a payment works.
One payment or ten thousand, every step runs through the same API and dashboard, with an event at every status change.
- 1
Create
Send one payment or a batch through the API or dashboard.
- 2
Screen
Payer, recipient and wallet are screened before anything leaves the balance.
- 3
Send
Funds go out on the rail you choose, converted with FX if the recipient needs another currency.
- 4
Track and reconcile
Follow every status change in real time. Each payment posts to the ledger when it settles.
Payouts at scale, from one file or one call.
Pay hundreds or thousands of people at once. Each payee gets the rail that suits them, and you get one batch to approve and reconcile.
- Bank accounts and stablecoin wallets in one batch
- Every payee screened before the batch runs
- Approval policies on the batch, not each payment
- Status for every payee, so your app can tell them when they’re paid
Payments for agents
Let an AI agent pay invoices under a mandate: approved payees, a limit, and a signer for anything outside it.
Payout batch 2208, Harbor PayrollComplete
USD 1,184,250.00
1,284 of 1,284 paid100%
ACH812 payees
Stablecoin296 payees
SWIFT120 payees
Wire56 payees
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 payment.
Dakota runs the compliance program behind every payment you send or receive and works with your team on reviews and disputes.
- Sanctions screening on every payer, recipient and wallet
- Transaction monitoring and blockchain analytics
- Travel rule data on stablecoin transfers
- Program rules managed by Dakota’s compliance team
Build it in the sandbox.
Send, receive and pay out through the same API as accounts and cards. Build with Claude Code, Codex or your own agent using our starter skills and agent-shaped docs.