Virtual Accounts

Create local bank accounts. Move money globally.

Issue named bank accounts for global consumers and businesses in the US, EU, and other markets.

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Fiat-to-stablecoin. Stablecoin-to-fiat.

  1. Local bank accounts with their own account numbers or IBANs, named to the end user.

  2. Sent locally over SEPA, ACH, RTP, Fedwire, SWIFT, and more. No correspondent fees or delays.

  3. Fiat converts to stablecoins on receipt, then lands in the user's wallet. No fiat balances to manage or reconcile.

  4. Send from a stablecoin balance to any bank account, anywhere. Converts to fiat and routes over local rails.

Local accounts on local rails

Issue accounts to users in 160+ countries, on local rails in the markets below.

  • 4markets live, 5 more coming soon

Live today

  • ACH · RTP · Fedwire
  • SEPA · SEPA Instant
  • SPEI
  • Bre-B · ACH Colombia
  • 5 other markets coming soon

Open accounts for customers in 160+ countries

Your customers don't need to live in the US or EU to get a US or EU account. Issue named accounts to consumers and businesses based in 160+ countries.

  • One onboarding flow, with KYC and KYB handled by Crossmint.
  • Each customer gets their own account number or IBAN, in their name.

Modernize money movement, globally.

Build faster, more efficient financial experiences with local accounts and global money movement infrastructure.

  • Remittances

    Give recipients local accounts to receive international transfers and access their funds without costly intermediaries.

  • Payroll

    Pay employees and contractors around the world directly into accounts in their own name, with faster settlement and lower costs.

  • Neobanks

    Offer customers local account details to receive payments, hold funds, and access financial services across borders.

  • Cross-Border B2B

    Collect payments from international customers through local accounts, simplifying reconciliation and reducing cross-border costs.

  • P2P Payments

    Enable users to send and receive money locally and internationally, with simple account details and seamless transfers.

  • Trade Finance

    Simplify international invoice payments and supplier settlements with faster, more transparent cross-border money movement.

Get started in minutes.
Scale without limit

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