Real account details per user
Each user gets a shareable IBAN, CLABE or account number to receive funds in their own currency.
VIRTUAL ACCOUNTS
A dedicated account for every user.
Issue named accounts per user in USD, EUR, GBP and local LATAM currencies, each with real bank details to receive funds. Deposits arrive on the rail their market runs on and reconcile against one ledger, ready to hold or auto-convert to stablecoin.
CAPABILITIES
What it does
Local rails in every market
Collect over ACH, SEPA, SPEI, PIX and PSE, instant where the market supports it.
Hold or auto-convert
Keep balances in local currency or convert incoming fiat to stablecoin at a locked rate.
One ledger
Every movement balances in a double-entry ledger with idempotency.
How it works
From account issuance to a reconciled stablecoin balance.
- Step 01
Issue an account
Request a named account per user (USD, EUR, GBP or a local LATAM currency) through one API call.
- Step 02
Receive a deposit
Funds arrive on a local rail (ACH, SEPA, SPEI, PIX or PSE) and can auto-convert to stablecoin.
- Step 03
Reconcile and notify
The ledger posts the entry and a webhook confirms the credited balance.
Who it’s for
Teams that need to collect and hold funds per customer.
Marketplaces
Give each seller a dedicated account and settle payouts cleanly.
Neobanks and wallets
Fund end-user balances with real account numbers they can share.
Platforms with treasury needs
Separate client money per account while holding value in stablecoin.
ACCOUNT TYPES
One balance, an account for every market
Give each user real account details in the currency and on the rail their market runs on.
US dollar · USD
US bank account details for ACH and domestic wire transfers.
Euro · EUR
A dedicated IBAN for SEPA and SEPA Instant across the euro area.
British pound · GBP
A UK account number for Faster Payments (FPS).
Mexican peso · MXN
A CLABE for instant SPEI transfers in Mexico.
Brazilian real · BRL
A PIX key and BR Code for instant transfers in Brazil.
Colombian peso · COP
Local collection in Colombia over PSE and the Bre-B instant network.
Stablecoin · USDC / USDT
A blockchain address to receive stablecoins into the very same balance.
Every currency reconciles against one ledger and can hold or auto-convert to stablecoin. Availability depends on the user’s market and verification level; we add currencies as we extend rails.
MORE PRODUCTS
Pairs well with
Cross-Border Payments
Settle cross-border transfers in stablecoin with FX built in, and pay out to local bank rails or wallets in 15+ currencies behind a single interface.
Swaps & Convert
Route token swaps and local-currency conversion to the best available price, with quote locking so your users always know what they get.
Non-custodial Custody
Non-custodial by design: users stay in control of their assets and no movement happens without their approval. You run the product, and no one has to hold your users’ funds.
Ready to build with Tokelia?
Tell us your use case and we’ll point you to the right layer: infrastructure, tokenization or Yakopay.