Stablecoin Wallets and FBO Accounts

Named accounts, instant payment rails, and international transactions - all through our simple API suite.

Accounts and Rails in One Platform

Payment Account Infrastructure is the foundation for building compliant financial products without the complexity of managing accounts, custody, and domestic rails yourself.

With Cybrid, you can:

Unified Stablecoin On-Ramp and Off-Ramp

For Benefit Of (FBO) accounts are legally required account structures that keep customer funds separate from business operational funds.

And they come standard with Cybrid across CAD, USD, and stablecoins so you don’t have to build your own.

Built-In Compliance Systems

Named accounts ensure that all funds associated with a customer (their deposits and transfers) stay associated with that customer.

Cybrid provides named virtual accounts to simplify reconciliation and keep clients funds clearly separated.

ACH, Wires, RTP, Fednow, EFT and Interac
E-transfer

For funding accounts on your platform, users need to link to their existing banking. That comes standard with Cybrid.

Connect accounts in the US🇺🇸 and Canada🇨🇦 with ACH, EFT, wires, or RTP. Convert between them automatically or on demand, 24/7.

Instant Conversion

Enable your non-US business users to open domestic US bank accounts, giving them full access to domestic rails for paying out, receiving funds, or holding deposits.

From the US account, pay international bills easily with stablecoin infrastructure or named wires via SWIFT.

FBO Bank Accounts vs. Building Your Own Infrastructure

Using FBO accounts saves time and money. Plus it lets you focus on what truly matters (serving customers) instead of hiring a technical team just to manage financial architecture.

Build it yourself

FBO from Cybrid

Licensing

$1M+ and 1-2 years

Included

FBO Account infrastructure

Build it yourself

Included

Virtual Named Account infrastructure

Build it yourself

Included

Transaction status tracking

Build it yourself

Included

Reconciliation mechanisms

Build it yourself

Included

Reporting and record keeping

Build it yourself

Included

How it works

User creates or links an account via Cybrid’s API

Funds are held in FBO accounts with secure custody

Payments can be made via ACH, EFT, RTP, FedNow wires, EFT or Interac E-transfer

Transactions are logged and reconciled in
real-time

Book a Demo

Cybrid fbo accounts for stablecoin payments

A Single API for Accounts and Money Movement

Get Started

Instant Transfers

Real-time payouts with RTP and FedNow.

North American Coverage

ACH and EFT connectivity across U.S. and Canada.

Secure Custody

Named FBO accounts to hold fiat on behalf of users.

Easy Integration

Modular APIs designed for fintech builders.

Lower Costs

Replace multiple vendors with one orchestration platform.

How Different Businesses Use Wallets and Accounts

Remittance Apps

Offer users named accounts and fast transfers without managing banking integrations yourself.

Contractor & Freelancer Platforms

Pay workers in the U.S. and Canada instantly via ACH, EFT, or RTP, with built-in compliance.

Enterprise Treasury Teams

Consolidate multiple accounts into one orchestration layer for easier payouts and reconciliation.

Stablecoin On/Off Ramps

Combine account infrastructure with orchestration to move between fiat and stablecoins efficiently.

How FBO and Virtual Accounts Keep Customer Funds Organized

Every fintech that holds customer money needs somewhere safe to keep it. Our embedded banking API gives you that without turning you into a bank: customer funds sit in FBO accounts at licensed institutions, and your platform tracks each person's balance on top.

What Are FBO Accounts?

FBO stands for 'for the benefit of.' If you've been looking up what FBO accounts mean, the short version is this: a licensed bank holds one pooled account, and the money in it belongs to your customers rather than to you. Sub-ledger records show what each user owns and keep customer funds apart from the company's own cash. You get account and reconciliation infrastructure without applying for a banking license.

Why Fintechs Skip the Charter Route

A banking charter takes years. A direct partnership is quicker but still leaves you building ledgers, reconciliation and reporting yourself. Founders who search for banks that offer FBO accounts often end up with a short list and long waiting times. We work with licensed institutions and open FBO bank accounts for you through a modular API, so opening, tracking and reporting work from day one for USD and CAD.

A Named Reference for Every Customer

Our virtual account API gives each customer a named account with its own reference number. Deposits arrive tagged to the right person, so nobody on your finance team matches transfers by hand, and daily reconciliation turns into a data feed. Platforms use these named accounts for contractor payouts, marketplace balances and other flows where money has to be attributed to one person.

Fiat and Digital Balances in One Wallet

One wallet can hold USD, CAD, USDC and USDT side by side, and users never handle keys or addresses. The embedded wallet API shows those balances in your app, while the stablecoin wallet API applies conversion rules on receipt or at withdrawal. A customer in Toronto can receive CAD while your platform holds it as USDC until it's needed. Users can initiate payouts in the app; delivery timing depends on the payout rail and destination.

Domestic Rails in the US and Canada

In the US, funds move over ACH, RTP and FedNow. In Canada, they move over EFT and Interac e-Transfer. ACH pulls collect money from the customer's bank, while real-time rails send it out in seconds at any hour. The platform picks the rail from the transaction type and destination, and settlement speed depends on the rail chosen.

"We needed a cost-effective partner to launch our stablecoin-powered payments solution on WhatsApp, and Cybrid exceeded our expectations. Their platform offered all the essential features while helping us conserve capital as we scaled. The team was incredibly supportive and adaptable, giving us full confidence in the long-term potential of our partnership. Thanks to Cybrid, we can now accept payments in the US cost-effectively, giving us a significant competitive advantage in the market."

Rahul Chaudhary

Founder & CEO, Unplex

"The exceptional support from the Cybrid team has made the entire journey seamless and efficient. They truly understand our business, providing access to more payment rails and helping us achieve a projected 15% month-over-month growth in fund disbursement volumes via RTP. This has significantly reduced friction in our processes and improved the overall experience for our customers."

Ben Meeder

Cofounder & CTO, Coinflow Labs

“Cybrid enabled us to reduce transaction processing time by 50%, improve operational efficiency by 40%, and achieve 3x growth within six months. Their seamless integration with our systems, robust compliance automation for KYC, KYB, and AML checks, and top-tier support allowed us to launch in production within twenty-two days.”

Nagarjuna Malempati

Founder & CEO, Remit2any