Multi-currency accounts, real-time ledger, and open finance APIs — powering your entire financial product.
Bypass costly infrastructure builds. Launch multi-currency accounts out of the box.
Unified dashboard for cross-border payments, smart routing, and stablecoin liquidity.
Embed fiat capabilities and virtual IBANs directly into your crypto platform.
Issue unique IBANs to sellers for automated, frictionless payment reconciliation.
Manage all your recurring payments, move money, and track balances in
one place — fast and easy.
Your platform calls BaaS APIs to open a multi-currency account/IBAN for a user or business via a partner institution.
Receive funds via cards, payment rails, or stablecoins, held securely with your chosen custody providers.
Money flows in via salaries, transfers, or top-ups through cards and local payments.
Ledger tracks all, BaaS reconciles and reports, ensuring compliance clarity.
Leverage the combined power of Artha Fintech, OpenPayd, Nilos, and Bridge to
deploy an unstoppable financial platform.
Find quick solutions and helpful tips for using artha. We’ve compiled
answers to the most frequently asked questions right here.
A banking-as-a-service (BaaS) platform combines software and licensed banking rails so a nonbank can launch regulated financial products accounts, IBANs, payments and cards under its own brand via API, without holding a banking licence. Artha delivers this white-label,powered by licensed BaaS partners.
Your application calls Artha’s APIs to
(1) open a multi-currency account or IBAN through a licensed partner.
(2) fund it via cards, payment rails or stablecoins.
(3) move money in and out and
(4) reconcile everything through a real-time double-entry ledger all under your brand.
Embedded banking places financial services accounts, payments, cards directly inside a non-financial product, such as a marketplace issuing each seller a dedicated IBAN. Artha’s
BaaS APIs make embedded banking deployable in weeks instead of months.
No. Artha is infrastructure, not a bank. Regulated functions such as account issuing, IBANs and settlement are delivered through licensed BaaS and sponsor-bank partners (for example
OpenPayd), so you inherit compliance without holding your own licence.
Yes. You can open multi-currency fiat accounts with full IBAN support where applicable, plusvirtual IBANs for sub-account reconciliation for example, a unique IBAN for each marketplace seller or business customer.
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