Product
Give every user a dedicated account.
Issue multi-currency virtual accounts so your users can send, receive, and hold funds — all through your platform, powered by Fin's infrastructure. No banking license required.
What are virtual accounts?
Virtual accounts are unique account identifiers — IBANs, sort codes, routing numbers — that Fin issues on behalf of your platform's end users. Each account can receive funds independently, so every payment is tracked automatically and your users get a native banking experience without ever leaving your product. Your platform doesn't need a banking license. Fin provides the regulated infrastructure underneath.
Unlike pooled accounts that require reference codes for matching, each virtual account is dedicated. Funds route automatically. Matching is instant.
Capabilities
- Multi-currency accountsUSD, AED, EUR, and INR — with more currencies coming
- Per-customer or per-merchant structuresIssue accounts at whatever granularity your product needs
- Automatic inbound matchingFunds that arrive are instantly linked to the correct user or transaction
- Real-time balance visibilityQuery balances via API at any time
- Connected to Fin's payout railsFunds received into virtual accounts can be sent instantly to any destination Fin supports
Use cases
Marketplaces
Hold seller funds in dedicated accounts before payout. Clean separation, clean compliance.
Payroll platforms
Collect employer deposits into named accounts. Pay out to employees across 30+ countries.
Trading platforms
Manage user balances with per-user accounts. Real-time visibility for your compliance team.
Remittance companies
Receive sender funds into virtual accounts. Convert and deliver via Fin's payout rails.
Treasury operations
Hold balances in multiple currencies. Convert on demand at transparent rates.
How it works
- RequestPlatform requests a virtual account via API (specify currency, user, structure)
- CreateFin spins up a dedicated account with unique identifiers in seconds
- ReceiveEnd user (or their sender) sends funds to the account via local rails or SWIFT
- ManagePlatform manages balances, triggers conversions, and sends payouts through Fin