iBnk

iBnk provides a universal hybrid account that combines fiat and stablecoin balances, allowing users to hold any currency and make instant cross‑border payments via chat, voice, or API. Its dual‑rail engine automatically routes transactions through the fastest, cheapest channel—global banking networks or on‑chain settlement using an MPC‑secured wallet—delivering ultra‑low‑cost FX and real‑time transfers for individuals, businesses, and AI agents.

Updated 2 months ago

Funding

Funding not disclosed

Funding rounds are not available yet.

Founders

Founder details are not available yet.

Product

Problem

Cross-border payments often require navigating multiple banking networks or crypto platforms, leading to high fees, slow settlement times, and fragmented user experiences. Individuals and businesses lack a single interface to hold, convert, and transfer funds across fiat and digital currencies efficiently.

Solution

iBnk offers a universal hybrid account that consolidates fiat and stablecoin balances, enabling users to hold any currency and send money instantly via chat or API. Payments are automatically routed through the faster, cheaper rail—traditional banking networks (SWIFT, SEPA, ACH, NPP) or on‑chain settlement using an MPC‑secured wallet—providing ultra‑low‑cost FX and real‑time transfers. The platform supports voice‑driven transfers, programmable on/off‑ramps for businesses, and scoped API keys for AI agents, all under a single account with built‑in KYC/KYB and KYT monitoring.

Target Audience

iBnk serves individual users who need fast, low‑cost cross‑border transfers, businesses requiring a global payment account with programmable access, and developers or AI agents that need secure, scoped API connectivity to a unified fiat‑crypto wallet.

Features

Hybrid cash balance combining fiat accounts and stablecoin holdings for seamless multi‑currency management
Dual‑rail routing engine that selects between global banking networks and on‑chain transfers based on speed and cost
MPC wallet infrastructure with real‑time on‑chain settlement and stablecoin support
Integrated FX engine delivering ultra‑low‑cost currency conversion with live quotes
WhatsApp and voice‑driven transfer interfaces for instant peer‑to‑peer payments
Programmable API keys with spending limits and audit trails for AI agents and automated workflows
Compliance layers including KYC/KYB for onboarding and KYT monitoring for transaction safety