Kirafin provides a white‑label virtual USD bank account platform that aggregates U.S. banking rails, stablecoin settlement, and AI‑driven compliance into a single API and no‑code dashboard. Clients can instantly provision accounts and send or receive funds via multiple payment networks—including USDT, FedNow, ACH, SWIFT, and cash—while AI‑managed yield‑bearing wallets reduce FX costs and automated KYC/KYB, AML, and sanctions checks streamline regulatory onboarding.
Funding
$6.7M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
5OBVFounders
Product
Problem
Businesses and platforms that need to send and receive cross‑border payments face fragmented banking rails, slow onboarding, high compliance overhead, and costly foreign‑exchange conversions. Traditional banking relationships often limit access to multiple payment networks and require extensive manual KYC/KYB processes, hindering rapid scaling and automation.
Solution
Kirafin offers a white‑label virtual bank account platform that aggregates U.S. banking rails, stablecoin settlement, and AI‑driven compliance into a single API and no‑code dashboard. Clients can provision USD‑denominated accounts instantly and receive or send funds via USDT, FedNow, RTP, ACH, SWIFT, cash, or debit, all abstracted behind a programmable payment link. The service leverages a network of four FDIC‑insured U.S. banks and AI‑managed yield‑bearing wallets backed by stablecoins or U.S. Treasuries to provide liquidity and reduce FX costs. Integrated KYC/KYB, AML, VASP, and sanctions checks automate regulatory compliance, cutting manual review time and RFIs. The platform is designed for embedding into conversational agents and autonomous financial workflows, enabling end‑to‑end payment lifecycle management at scale.
Target Audience
Primary customers are fintech platforms, digital marketplaces, and AI‑driven service providers that require programmable, cross‑border payment capabilities and automated compliance.
Features
- Virtual USD bank accounts provisioned globally, including Africa, Latin America, and Southeast Asia, via API or no‑code dashboard
- Multi‑rail payment acceptance (USDT, FedNow, RTP, ACH, SWIFT, cash, debit, credit) through white‑labeled payment links
- AI‑managed yield‑bearing wallets backed by stablecoins or U.S. Treasury securities for liquidity and FX cost reduction
- Integrated AI compliance suite handling KYC/KYB, AML, VASP, and sanctions screening via APIs
- Access to a network of four FDIC‑insured U.S. banks with automated treasury management
- End‑to‑end lifecycle automation for onboarding, collection, settlement, and reporting
- Support for embedding payment flows into conversational and autonomous AI agents