The High Cost of Traditional USD Banking Access
- Legacy Friction: Long account setup times, high fees, and delayed settlements make global operations inefficient.
- Confusing Customer Experience: Payments that arrive from generic entities, rather than your customers’ business, lead to confusion and eroding trust.
- Regulatory Uncertainty: Moving between digital and traditional finance lacks the compliance and transparency required for treasury rigor.
A Single Interface for Global USD Payments
Conduit’s Virtual USD Accounts eliminate friction for fintechs, neobanks, payment service providers and corporate treasury managers, enabling virtual USA bank accounts that allow| Feature | Description |
|---|---|
| Instant U.S. Banking | Open a full-featured USD bank account in your company’s name or your customer’s name quickly, without requiring a U.S. legal entity or enduring long bureaucratic processes. |
| Named Collections & Payouts | Send and receive named payouts via multiple rails (Fedwire, SWIFT and RTP) and execute payments globally across our stablecoin-powered network. |
| Fiat ↔ Stablecoin Interoperability | Seamlessly send, receive, and hold funds in USD, with near-instant conversion to/from stablecoins to maximize speed and efficiency. |
| Regulated Trust & Security | Built with regulatory rigor: accounts are issued through multiple licensed banking partners with full KYC/AML and transparent ledgering. |
| Multi-currency Platform | Access global markets with Virtual IBANS for GBP and EUR and local payment rails for BRL, MXN, CHN, HKD and more. |
How Conduit Virtual Accounts Work
Conduit manages the full lifecycle of onboarding, compliance, and account provisioning.1. Customer Onboarding
Choose one:- Hosted onboarding (KYB link): Send customers to a Conduit-hosted form to submit KYC/KYB.
- Direct onboarding (API-first): Collect the customer’s data in your app and create the customer via API
2. Compliance Review & Activation
Conduit and its regulated banking partners run automated KYC/KYB and AML checks. Once approved, the customer is active and can move money.3. Virtual Account Provisioning
After approval, a Virtual USD Account is created and linked automatically (not created directly via API). Each customer gets unique account and routing details for payments. Manage balances, transfers, and reconciliation via API or dashboard.4. Ongoing Management
- Monitor balances and transactions in real time.
- Move between fiat and stablecoins.
- Automate collections, payouts, and reconciliation via webhooks and workflows.
Launch Your USD Virtual Account
Open USD accounts quickly and move money globally with full visibility and control. Book a demo here.What’s next?
- Learn how to onboard customers: Customer Onboarding
- Understand funding and payouts: Payment Methods