API-driven integration
Robust APIs let you weave banking functionality into your tech stack, delivering a fluid user experience for deposits, payments and foreign exchange.
Banking
Embedded Accounts
Virtual Accounts allow financial institutions, fintechs, and platforms to offer U.S. banking services directly within their own products. Through Zenus APIs, businesses can create and manage dedicated virtual accounts for your customers while Zenus provides the regulated banking infrastructure behind the scenes.
Banking That Lives Inside Your Product
A single API to issue dedicated U.S. accounts under your brand, move money on every rail, and keep client funds segregated, all under Zenus's fully reserved, regulated framework.
Unlimited virtual accounts
Instantly open dedicated virtual accounts for individuals or corporate entities via API. Domestic U.S. bank account functionality with a process akin to European IBANs.
Omnibus master structure
Your clients get dedicated account numbers and payment instructions while funds rest securely under your master account for efficient treasury management.
Embedded inside your platform
Offer banking services inside retail apps, corporate portals or vertical SaaS products without standing up extensive banking infrastructure of your own.
Payroll & expense flows
Integrate banking for managing employee expenses, payroll or client funds directly within your enterprise software, enhancing internal efficiency and client trust.
Global USD access
Access and manage USD globally with secure, compliant accounts designed for seamless international transactions and business growth.
Multi-currency transactions
Transact in multiple currencies without conversion hassles, ensuring flexibility, control and minimized FX risks across global markets.
Segregation of client funds
Securely segregate client funds with strict controls and transparency, ideal for industries that require dedicated fund protection and audit-ready reporting.
Questions Answered
Virtual accounts are bank accounts integrated directly into a non-bank platform or application. This allows businesses to offer banking services, account creation, fund management and transactions, within their own product, enhancing user experience and engagement.
Get on the Network
Banks, fintechs, stablecoin issuers and multinational corporations run on Zenus.