Promptable Money Movement Is Now Live

Like we’ve said previously, AI-assisted coding has collapsed the distance between an idea for a fintech app and a working one. Scaffolding, like the front end or the dashboards, can be written by agents, very quickly. 

But the part that actually moves money across borders – quickly, securely and legally – couldn’t be vibe-coded. That was the wall every builder would hit, whether they were a team of three hundred or a team of one. 

And it was a specific kind of wall. Standing up the money-movement layer used to mean reading a 40-page PDF, filing a sales ticket, and waiting two weeks for sandbox access before you'd moved a single dollar. The software raced ahead, far past the infrastructure underneath.

So we set out to build an API for the same AI tools builders already use – one where onboarding customers, opening USD accounts, and sending real money is a prompt away.

What’s Live Today

We've brought all aspects of money movement into a single, AI-friendly API.

USD Virtual Accounts

You can open USD virtual accounts for your customers, wherever they are, through a single API. Your customers get real dollar accounts – to hold balances, receive funds, and transact – without you standing up banking relationships one by one.

They sit on a wide network of banking partners, with redundancy built in and smart-routing underneath, so no single partner is a single point of failure. If one route degrades, another takes over, and your customers never see it. The best-in-class banking stack we've built is now something you can reach in a single prompt.

Customer Onboarding in Minutes

Onboarding is the first thing your customers feel, so we've made it work faster than anyone else. Your agent needs only your Conduit API key and your customer's KYC to open a USD account.

Behind that speed is a localized onboarding flow that asks for exactly the requirements and documents a given country needs – and nothing that isn't. That's where compliance and speed stop being a tradeoff: the checks that keep you compliant in each jurisdiction are the same ones that keep onboarding from turning into a paperwork marathon. What used to take weeks now takes minutes.

Real Money Movement

Holding money is only half the experience. With the Conduit API, your customers can pay in and pay out across SWIFT, stablecoins, and other rails, to 100+ countries – through the same API, the same prompt-first workflow.

Because those rails live behind one integration, you can mix them however a payment demands: take funds in on a local rail, move value across borders on stablecoins for speed and cost, and pay out in the destination currency – without stitching together a separate provider for each leg. Money goes where your customers need it, not just into an account that holds it.

Built for How You Build Now

None of this requires a robust eng department or a banking team on staff. That was the point. An enterprise integration and a solo build now start the same way: describe what you need, let your agents wire it up, and move real money on the other side of it. Infrastructure that meets you inside the tools you already build with – not a quarter-long project you have to route around.

The tools for building a fintech already changed completely. The infrastructure underneath them just caught up.

Get Started Now

Sign up here to get your API keys and start building in the sandbox. No need to wait for sales.

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