NewStablecoin settlement: USDC, EURC and USDG

The U.S. banking stack, as one API.

ACH, wire, RTP, stablecoins and cards, with KYC, AML and the sponsor bank already wired in.

Request access See the demo

Business verification typically within 48 hoursSandbox included with every planHow it works

Home

Tue, Sep 29 · all times ET

New paymentOpen in full Console

Available across 6 accounts

$12,480,221.40

$1,206,400.00 in flight · 38 payments

Operating account

$8,902,115.02

acct_ops_4410

Payroll reserve

$2,410,000.00

acct_pay_2291

Card program funding

$968,106.38

acct_card_0921

USDC wallet

199,600.00 USDC

Stablecoin wallet · base

Volume by rail

Today · $4,218,930.12 · 12,482 payments

Volume by rail today (illustrative)
Rail	Volume	Count	Median
ACH	$2.61M	8,904	same day
Wire	$0.88M	41	38m
RTP	$0.46M	2,310	1.8s
USDC	$0.21M	96	14s
Cards	$0.06M	1,131	auth 41ms

Needs you

4 open

Wire of $250,000.00 needs a second approverpay_3Rt8nWc1Zb · policy: dual approval ≥ $100kReview
7 compliance cases in your queue2 sanctions potential matches · oldest 3hOpen
Webhook endpoint failing, retryingwe_ledger_sync · 503 × 12 · next in 4mInspect
14 RTP payments fell back to wirereceiving banks not on RTP · no actionView

Go-live

4 of 7

Next Enable wiresSet an approval policy for wires above a limit. Takes about 2 minutes.

Payments

TodayNew paymentOpen in full Console

Volume today

$4,218,930.12

+12.4% vs. yesterday

Payments

12,482

38 in flight

Median RTP settle

1.8s

p99 4.2s

Returns today

R01 · 6m ago

Recent payments (illustrative data)
Amount	Rail	Counterparty	Payment ID	Status	Time
$18,400.00	RTP	Contractor payout	pay_9Hk2vQx7Lm	Settled	now
$250,000.00	Wire	Treasury sweep	pay_3Rt8nWc1Zb	Processing	12s
$1,204,318.55	ACH	Payroll batch · 1,214 items	bat_7Fq0pJd4Ke	Submitted	1m
50,000.00 USDC	USDC	Cross-border settlement	pay_6Lm2xVb9Qa	Settled	2m
$86.40	Card	Card authorization · ••4821	auth_2Ws5hTy8Nc	Approved	3m
$3,120.00	ACH	Account funding	pay_0Pz4cRk6Ud	Returned R01	6m
$9,775.00	RTP	Instant withdrawal	pay_8Nj1gFs3Yv	Settled	8m
$42,960.00	ACH	Vendor invoice · net 30	pay_4Tc9wEm2Hs	Submitted	11m
$1,480.00	RTP	Driver earnings	pay_1Kd7rBn5Wq	Settled	14m
No payments on this rail yet today.

Event stream

streaming

14:02:07.412payment.settledrtp
14:02:07.398compliance.passedaml
14:02:06.951payment.submittedrtp
14:01:55.030wire.imad_assignedfed
14:01:41.772batch.acceptedach
14:01:12.604usdc.transfer.finalbase
14:00:58.219card.authorizednetwork
14:00:31.007ach.returnR01

Volume by rail

24h

ACH$2.61M
Wire$0.88M
RTP$0.46M
USDC$0.21M
Card$0.06M

Accounts

TransferPay from this accountOpen in full Console

Operating

Open

acct_ops_4410 · Routing ABA ••0021 · Account ••••4410 · Partner bank A

Available: $8,902,115.02
Ledger balance: $8,959,075.02
Pending out: $106,960.00
Pending in: $50,000.00

Operating ledger, today (illustrative data)
Posted	Entry	Reference	Amount	Balance
14:02:07	RTP out · Contractor payout	pay_9Hk2vQx7Lm	−18,400.00	8,959,075.02
13:54:22	RTP out · Instant withdrawal	pay_8Nj1gFs3Yv	−9,775.00	8,977,475.02
13:51:00	Hold · ACH pending · vendor invoice	pay_4Tc9wEm2Hs	(42,960.00)	—
13:41:00	ACH in · Customer deposit batch	ach_in_3Fk8Wq	+212,480.00	8,987,250.02
13:40:22	Hold · Wire pending IMAD	pay_5Gh3kLp8Zr	(64,000.00)	—
13:31:48	Wire out · Contractor payout (RTP fallback)	pay_7Yt2mQw4Xc	−12,250.00	8,774,770.02
13:20:05	Reversal · RTP rejected by receiver	pay_2Bv6nHs9Kd	+3,400.00	8,787,020.02
13:20:04	RTP out · Instant withdrawal	pay_2Bv6nHs9Kd	−3,400.00	8,783,620.02
12:58:30	Wire out · Treasury sweep	pay_4Lp9cVx1Qm	−120,000.00	8,787,020.02
12:30:48	Wire out · Vendor invoice · net 15	pay_8Kq1sZa5Ub	−7,800.00	8,907,020.02
12:12:41	Wire in · Treasury funding	wire_in_8Lq2Tz	+500,000.00	8,914,820.02

Payroll reserve

Open

acct_pay_2291 · Routing ABA ••0021 · Account ••••2291 · Partner bank A

Available: $2,410,000.00
Ledger balance: $3,614,318.55
Pending out: $1,204,318.55
Pending in: $0.00

Payroll reserve ledger, today (illustrative data)
Posted	Entry	Reference	Amount	Balance
14:01:02	Hold · ACH batch · Payroll, 1,214 items	bat_7FqOpJd4Ke	(1,204,318.55)	—
12:44:02	RTP out · Driver earnings	pay_6Rn3dWe7Ty	−2,150.00	3,614,318.55
10:31:02	RTP out · Driver earnings	pay_5Jc1nPw3Ge	−2,780.00	3,616,468.55

Card program funding

Open

acct_card_0921 · Routing ABA ••0021 · Account ••••0921 · Partner bank A

Available: $968,106.38
Ledger balance: $968,192.78
Pending out: $86.40
Pending in: $0.00

Card program funding ledger, today (illustrative data)
Posted	Entry	Reference	Amount	Balance
13:49:10	Hold · Card authorization ••4821	auth_2Ws5hTy8Nc	(86.40)	—
11:00:00	Card settlement · network clearing	stl_card_0929	−48,902.16	968,192.78
09:30:00	Book transfer ← Operating	bk_1Rz7Hn2Pd	+50,000.00	1,017,094.94

USDC wallet

Open

acct_usdc_7730 · Account ••••7730 · Custody partner

Available: 199,600.00 USDC
Ledger balance: 199,600.00 USDC
Pending out: 0.00 USDC
Pending in: 0.00 USDC

USDC wallet ledger, today (illustrative data)
Posted	Entry	Reference	Amount	Balance
14:00:19	USDC out · Cross-border settlement	pay_6Lm2xVb9Qa	−50,000.00	199,600.00
11:05:30	USDC in · Conversion from Operating	cnv_2Hq7Lt4Wb	+100,000.00	249,600.00

Returns reserve

Open

acct_rsv_1180 · Routing ABA ••0021 · Account ••••1180 · Partner bank A

Available: $300.00
Ledger balance: $300.00
Pending out: $0.00
Pending in: $0.00

Returns reserve ledger, today (illustrative data)
Posted	Entry	Reference	Amount	Balance
No entries today.

Fees & interest

Open

acct_fee_0042 · Routing ABA ••0021 · Account ••••0042 · Partner bank A

Available: $100.00
Ledger balance: $100.00
Pending out: $0.00
Pending in: $0.00

Fees & interest ledger, today (illustrative data)
Posted	Entry	Reference	Amount	Balance
00:05:00	Interest credit · daily accrual	int_0929_0042	+100.00	100.00

Accounts

Open account

Reconciliation

Matched to partner bank at 14:00

Cards

Issue cardOpen in full Console

Network: Debit card program
Funding: Card program funding ••0921
Spend today: $61,208.40
Approval rate: 97.8%

Corporate expense cards (illustrative data)
Card	Type	Status	Spend, MTD
Software subscriptionscard_4Hq8Nz · ••4821	Virtual	Active	$1,240.18
Travel · sales teamcard_7Wm2Pk · ••0917	Physical	Active	$8,902.55
Field technician 12card_2Tc5Vb · ••3306	Physical	Frozen	$412.00
Cloud infrastructurecard_9Rx1Ld · ••7740	Virtual	Active	$22,610.00
Field technician 31card_5Ks9Hw · ••1158	Physical	Shipping	—
Marketing · ad spendcard_3Gn7Qe · ••5592	Virtual	Active	$14,030.72
Contractor · one-timecard_8Zp4Ja · ••6620	Virtual	Terminated	$300.00
Office suppliescard_6Ye3Mr · ••2284	Virtual	Active	$2,118.40

Software subscriptions

card_4Hq8Nz · exp 09/29

HolderEngineering team

Card is onTurn off to freeze instantly.

Spend limits

Per transaction$2,500

Daily$412 / $5,000

Monthly$1,240 / $25,000

Recent authorizations

13:49Design software · annual seatApproved · 41ms$86.40
11:17Online merchant · MCC 7995Declined · MCC$250.00
09:42Cloud provider · usageApproved · 38ms$325.60

Counterparties

1,862

Add counterpartyOpen in full Console

Counterparties (illustrative data)
Counterparty	Reachable rails	Verification	Paid, 30d
Contractor payoutcpty_contractor_7702 · individual · ••5519	RTP · Wire · ACH	Verified	$412,300.00
Contractor payout · Brightline Studio LLCcpty_contractor_3158 · business · ••2204	Wire · ACH	Verified	$36,750.00
Treasury sweep · Harbor Money Marketcpty_treasury_0418 · own account · ••0418	Wire	Verified	$2,910,000.00
Instant withdrawal · end userscpty_endusers_0001 · end users · many banks	RTP	Verified	$1,284,410.00
Acme Equipment Leasing LLCcpty_acme_equip_5520 · business · ••5520	Wire · ACH	Verified	$128,000.00
Northgate Properties LLCcpty_northgate_8812 · business · ••8812	Wire · ACH	Sanctions review	$15,000.00
Summit Supply Co.cpty_summit_supply_3391 · business · ••3391	Wire · ACH	Verified	$53,060.00
Driver earnings · pooledcpty_drivers_pool_6604 · end users · many banks	RTP · ACH	Verified	$188,930.00
Marketplace seller payout · Meridian Goods LLCcpty_marketplace_2718 · business · ••2718	Wire · ACH	Needs info · KYB	$97,200.00
Payroll · Acme Payroll LLCcpty_payroll_batch · business · ACH batch	ACH	Verified	$2,408,637.10
Cross-border partner · Coastline Trading Ltd.cpty_xborder_9001 · business · wallet 0x7a…91f	USDC	Verified	150,000.00 USDC
Account funding · external bankcpty_funding_src_4471 · own account · ••4471	ACH	Name mismatch	$3,120.00
Card program · cardholderscpty_cardholders · end users · Card partner	Card	Verified	$1,840,220.00
Pinecrest Logistics Inc.cpty_newvendor_1044 · business · ••1044	ACH	Sanctions review	—
No counterparties match this filter.

Contractor payout

cpty_contractor_7702

Verification

Verified Aug 14

Account ownershipInstant account verification via open banking
Name matchExact match to account holder
KYC · individualIdentity verified
Sanctions screenClear · re-screened daily, last 06:00
Ready to payRTPWireACHUSDC

Bank: Receiving bank · checking
Routing / account: •••••0021 / ••••5519
Default rail: Fastest available

Compliance

7 open · SLA 4h

Payments on hold · 1Open in full Console

Sanctions screening · potential match

Pinecrest Logistics Inc.

case_S81kd2 · opened 10:58 by auto-screen · cpty_newvendor_1044

Auto-screened · 10:58
Your review · now
Omniwire compliance
Closed

Screening comparison (illustrative data)
Field	Your counterparty	List entry · sample SDN record	Match
Legal name	Pinecrest Logistics Inc.	Pine Crest Logistic Co.	0.82
Country	United States (OR)	Outside U.S.	0.00
Registered	2017-06-02	2011 (approx.)	0.00
Tax ID / EIN	••-•••1044 · verified	Not listed	n/a
Beneficial owners	2 owners · both KYC clear	1 listed individual · no overlap	0.00

Name similarity only. Country, registration date, tax ID and owners do not match the list entry. Suggested: clear as false positive, with a note.

Your recommendation

Queue

oldest first by SLA

Sanctions · potential match56m leftPinecrest Logistics Inc. · 0.82 name scorecpty_newvendor_1044 · first payment blocked
Sanctions · address match2h 00m leftNorthgate Properties LLC · address score 0.74pay_2Qe5vLr8Mt · $15,000.00
KYB · document expired3h 00m leftMeridian Goods LLC · articles of org.cpty_marketplace_2718 · request sent 1h ago
Monitoring · round amounts3h 03m leftTreasury sweep · round-amount patternpay_4Lp9cVx1Qm · $120,000.00
Monitoring · velocity rule3h 08m leftEnd users · 14 RTP withdrawals in 1hrule aml_vel_02 · $41,300.00 total
KYC · name mismatch3h 20m leftAccount funding · external bankcpty_funding_src_4471 · bank holder differs
Returns · R013h 54m leftAccount funding · R01 on first attemptpay_0Pz4cRk6Ud · $3,120.00

Webhooks

Send test eventRetry all failed (9)Open in full Console

we_ledger_sync

503 × 12 since 13:22

POST https://ledger.yourcompany.example/hooks

Deliveries · last 24h, 30-min bucketsSubscribed: payment.*, account.balance_updated

Retry scheduleevt_2Pq8sLx4Hd · payment.settled

#1 · 13:22
#2 · +30s
#3 · +2m
#4–12
#13 in 4m 12s
Disabled Oct 02

Recent deliveries to we_ledger_sync (illustrative data)
Code	Event	Attempts	Time
503	payment.settledevt_2Pq8sLx4Hd	12	14:02:07
503	payment.settledevt_8Nm1kQw5Tz	9	13:54:12
503	account.balance_updatedevt_4Rc7jHp2Va	8	13:41:00
200	payment.submittedevt_1Kx9pDn3Wy	1	13:20:04
200	payment.settledevt_6Vb2rMs8Qe	1	13:18:40

Endpoints

+ Endpoint

we_ledger_syncFailingledger.yourcompany.example/hooks6 events · 71% delivered, 24h
we_app_mainHealthyapi.yourcompany.example/webhooks/omniwireAll events · 99.98% delivered
we_card_authHealthyauth.yourcompany.example/decidecard.authorization.request · p95 38ms
we_analyticsPausedetl.yourcompany.example/inPaused by you · Sep 20

Response

attempt 12

HTTP/1.1 503 Service Unavailable
retry-after: 60
content-type: text/html

<html>
  upstream connect error
  or disconnect/reset
</html>

# attempt 12 · 3,001 ms (timeout)

API keys

Live keys move real money. Sandbox keys are separate and never touch a bank.

Restricted keyCreate live keyOpen in full Console

API keys (illustrative data; no real keys)
Key	Permissions	Last used	Expires
Secret keyLivesk_live_••••••••9f2c	Full access	14:02:05	Never
Payouts serviceNewrk_live_••••••••7Qa2	payments:write accounts:read	Never	90 days
Reporting (read only)rk_live_••••••••c81e	*:read	13:59:40	Jan 04
Card auth webhook signerwhsec_••••••••e04b	Signing secret	14:01:12	Never
Old backend keyRolling · expires in 22hsk_live_••••••••11d0	Full access	Sep 27	22h
Sandbox keys
Secret keySandboxsk_sandbox_••••••••4f2a	Full access	13:12:09	Never

Key safety

IP allowlist · 3 rangesPasskey to reveal or rollAlert on first use from new IP

Use it

Node

$ npm install @omniwire/node

import Omniwire from "@omniwire/node";

const ow = new Omniwire(
  process.env.OMNIWIRE_KEY
);

const acct = await ow.accounts.list();

Base URL: api.omniwire.com/v1
API version: 2026-09-01

Logs

tailing · 38 req/s

status:4xx path:/v1/payoutsLast hourOpen in full Console

API requests matching status:4xx path:/v1/payouts (illustrative data). Select a row to see the request.
Status	Method	Path	Latency	Time
422	POST	/v1/payouts	38ms	14:01:52
422	POST	/v1/payouts	41ms	14:01:49
409	POST	/v1/payouts	12ms	13:58:20
401	POST	/v1/payouts	4ms	13:40:02
422	POST	/v1/payouts	36ms	13:22:15
429	POST	/v1/payouts	2ms	13:10:44

6 requests match · logs kept 30 days in live

Request body

req_8Hk2QQd

{
  "amount": 420000,
  "currency": "usd",
  "from": "acct_ops_4410",
  "to": {
    "routing_number": "021000O21",
    "account_number": "••••5519"
  },
  "rail": "fastest",
  "idempotency_key": "inv_2302"
}

Request body

req_8Hk2PMx

{
  "amount": 420000,
  "currency": "usd",
  "from": "acct_ops_4410",
  "to": {
    "routing_number": "021000O21",
    "account_number": "••••5519"
  },
  "rail": "fastest",
  "idempotency_key": "inv_2302"
}

Request body

req_8Hj9Tz2

{
  "amount": 185000,
  "currency": "usd",
  "from": "acct_ops_4410",
  "to": {
    "routing_number": "021000021",
    "account_number": "••••5519"
  },
  "rail": "fastest",
  "idempotency_key": "inv_2297"
}

Request body

req_8Hh4Lc7

{
  "amount": 9900,
  "currency": "usd",
  "from": "acct_ops_4410",
  "to": {
    "routing_number": "021000021",
    "account_number": "••••5519"
  },
  "rail": "fastest",
  "idempotency_key": "inv_2290"
}

Request body

req_8Hf6Wq3

{
  "amount": 0,
  "currency": "usd",
  "from": "acct_ops_4410",
  "to": {
    "routing_number": "021000021",
    "account_number": "••••5519"
  },
  "rail": "fastest",
  "idempotency_key": "inv_2285"
}

Request body

req_8Hd1Rn8

{
  "amount": 64000,
  "currency": "usd",
  "from": "acct_ops_4410",
  "to": {
    "routing_number": "021000021",
    "account_number": "••••5519"
  },
  "rail": "fastest",
  "idempotency_key": "inv_2281"
}

422 POST /v1/payouts

rk_live_••7Qa2 · idem inv_2302

Response body

{
  "error": {
    "code": "routing_number_invalid",
    "param": "to.routing_number",
    "message": "Routing number failed checksum."
  },
  "request_id": "req_8Hk2QQd"
}

Looks like the letter O instead of zero in the routing number. Idempotency key unused, safe to retry.

The problem

Twelve jacks to patch before a dollar moves.

Build it yourself and every obligation is its own connection: a contract, a set of keys, a webhook format and someone on call when it drops.

All twelve, behind one API key.

Drag a plug into a jack, or click one to patch it.

OmniwireAll twelve, behind one API key.

Build it yourself

Twelve separate connections to negotiate, integrate, monitor and audit. About 18 months before the first one carries a live payment.

0 of 12 live

Plug in once

One API, all twelve behind it. About 3 weeks to live.

How a payment moves

Follow one payment down the wire.

One API call, traced from your app to a settled account. Everything on this wire is the part you don't have to build.

01 — Your app
One call. Any rail.
Send an amount, two accounts and rail: "fastest". The request looks the same for ACH, wire, RTP, USDC and cards.
SDKs for Node, Python, Ruby, PHP and Java
01
pay.ts
```
const payment = await ow.payments.create({
  amount: 1840000,        // $18,400.00
  currency: "usd",
  from: "acct_ops_4410",
  to: "cpty_contractor_7702",
  rail: "fastest",
  idempotency_key: "inv_2291",
});
```
201 Createdpay_9Hk2vQx7Lm · 212ms
02 — Compliance
Checked before it moves.
KYC and KYB, sanctions screening, AML rules and limits run inline on every payment. Our compliance team runs the program; you keep the audit trail.
SOC 2 · Built-in KYC and AML
02
Pre-flight checkspay_9Hk2vQx7Lm
- Sender KYBBusiness verified6ms
- Recipient KYCIdentity verified5ms
- Sanctions screenOFAC and watchlists clear11ms
- AML rulesVelocity and pattern, 0 flags9ms
- LimitsWithin daily limit2ms
Cleared to move5 of 5 passed · 33ms
03
03
03 — Routing
Routed to the fastest open rail.
Omniwire picks RTP when the receiving bank supports it and falls back to wire or same-day ACH when it doesn't. You never write rail logic.
- ACH
  Same-day or standardFallback 2
- Wire
  Fedwire, same dayFallback 1
- RTPSelected
  Seconds, 24/7/365Receiving bank supports RTP
- USDC
  Stablecoin, 24/7When you set currency: usdc
- Cards
  Accepted worldwideFor card spend and payouts
04 — Settlement
Settled at an insured partner bank.
Funds move through our FDIC-insured sponsor banks, and your ledger updates the moment they land. No bank agreement to negotiate.
Omniwire is not a bank · FDIC-insured partner banks
TransferRTP
Settled in 1.8s
$18,400.00
FromOperating accountacct_ops_4410−$18,400.00
ToContractor payoutcpty_contractor_7702+$18,400.00
Created14:02:05.600Cleared14:02:05.633Settled14:02:07.412
05 — Back to you
One webhook. Every rail, same shape.
payment.settled arrives with the rail, timing and trace IDs attached, so reconciliation is a join, not a project.
Same event for ACH, wire, RTP, USDC and cards
05
POST/webhooks/omniwire
200 OK
```
{
  "type": "payment.settled",
  "id": "evt_2Pq8sLx4Hd",
  "data": {
    "payment": "pay_9Hk2vQx7Lm",
    "amount": 1840000,
    "rail": "rtp",
    "fallbacks_used": 0,
    "settled_in_ms": 1812,
    "trace_id": "rtp_20260929_7Qm1"
  }
}
```
Settled
1.8 seconds on the wire.
About three weeks to wire in.
That's the whole trip. Everything between your app and the bank is ours to run, audit and keep up.

Example builds

Wired in. Then shipped.

Illustrative examples · not customer data

Three example builds and what each one takes: the rails it switches on and the path from sandbox to live.

Find your route

Example buildIllustrative

A payroll platform pays contractors the same day: RTP when the receiving bank supports it, wire or same-day ACH when it doesn’t.

Wired with SuperAPIEvery U.S. money rail on one API key.

sandbox keys to live: ≈ 3 wk
rails on one API key: 3

Explore SuperAPI

Illustrative example, not a customer record. About 3 weeks is typical from first sandbox call to live money, versus roughly 18 months building it in-house.

example/payroll / path_to_liveillustrative

day 1Account created, business verification submittedevent: kyb.submitted
day 3Business approved, plan active, sandbox keys issuedsk_test_•••• created
wk 1First contractor payout in sandboxPOST /v1/payments → 201
wk 3Production approved, live keys issuedsk_live_•••• created
liveLive: first same-day payout on RTPstatus: live · rail=rtp · 1.8 s

Switched on

RTP
ACH
Wire
Cards (not used)
USDC (not used)
Open banking (not used)

Example buildIllustrative

A consumer brand launches its own bank: accounts, debit cards and instant transfers in its app, with KYC, AML and the sponsor bank already wired.

Wired with White-label neobankYour bank, your brand, typically live in 4–6 weeks.

kickoff to first customer: 4–6 wk
rails behind your brand: 3

Explore the neobank

Illustrative example, not a customer record. Launches typically take 4–6 weeks from kickoff to your first customer.

example/neobank / path_to_liveillustrative

day 1Kickoff: brand, products and cards pickedstudio: theme=gold · apps=ios,android,web
wk 1App and card design approvedevent: program.design_approved
wk 2KYC and AML program approvedevent: kyc.program.approved
wk 4Sponsor bank sign-offevent: program.bank_approved
liveLive: first account opened, first card issuedstatus: live · rail=cards

Switched on

Cards
ACH
RTP
Wire (not used)
USDC (not used)
Open banking (not used)

Example buildIllustrative

A card program helps customers build credit history with the debit card they already use, reported to Experian every month.

Wired with Credit BuilderEveryday debit spend, reported to Experian.

reporting to Experian: Monthly
everyday spend, reported: Debit

Explore Credit Builder

Illustrative example, not a customer record. Results vary and no change to any credit score is promised.

example/credit-builder / path_to_liveillustrative

setupCredit Builder added to the programproduct: credit_builder · on
day 1Cardholder opts in, reporting notice shownevent: credit.notice_accepted
mo 1Everyday debit spend on the cardrail=cards · ledger posts
mo endMonth closed into one tradelineevent: tradeline.built
1stReported to Experian, every monthstatus: reported · bureau=experian

Switched on

Cards
Accounts
Experian reporting
RTP (not used)
Wire (not used)
USDC (not used)

How you go live

Verified in about 48 hours. Live when you’re ready.

Request access and verify your business with our team. Once you’re approved, subscribe to a plan: that’s when you pay, and your sandbox keys come with it. Build against every rail, then go live when production is approved. Talk to us whenever it helps.

01
Request access
Tell us about your business with your company email. We set up your account.
You + Omniwire
02
Verify your business
Business details, documents and owners. We run KYB with our partner bank, typically within 48 hours.
You + Omniwire + partner bank
03
Subscribe
Pick your plan. You pay only after your business is approved.
You
04
Build in the sandbox
Sandbox keys issue once your plan is active. Test every rail with test money.
Your team
05
Go live
Once production is approved, live keys issue on the same API you built against.
Live

Request access See the demo Rather talk it through? Talk to an engineer

Ready when you are

Wire in once.

Verify your business once, typically within 48 hours, and every U.S. money rail is in production in about three weeks.

Request access Talk to an engineer

SOC 2
FDIC-insured partner banks

Home

Volume by rail

Needs you

Go-live

Payments

Event stream

Volume by rail

Accounts

Operating

Payroll reserve

Card program funding

USDC wallet

Returns reserve

Fees & interest

Accounts

Cards

Software subscriptions

Counterparties

Contractor payout

Compliance

Pinecrest Logistics Inc.

Queue

Webhooks

we_ledger_sync

Endpoints

API keys

Use it

Logs

Twelve jacks to patch before a dollar moves.

Build it yourself

Plug in once

Follow one payment down the wire.

One call. Any rail.

Checked before it moves.

Routed to the fastest open rail.

Settled at an insured partner bank.

One webhook. Every rail, same shape.

Wired in. Then shipped.

Verified in about 48 hours. Live when you’re ready.

Request access

Verify your business

Subscribe

Build in the sandbox

Go live

What are you building?We'll wire the rest.

Wire in once.

What are you building?
We'll wire the rest.