Accounts & Wallets — Turn your platform into a financial hub
Enable your customers to hold balances, receive payments, and manage funds directly within your platform. Create virtual accounts, multi-currency wallets, and segregated balances in minutes through a single API—no banking license required.
Key Benefits at a Glance
Powerful features designed to simplify your workflow and boost results
Virtual & Physical Accounts
Instantly create IBANs or virtual sub-accounts for each user or business, fully linked to your platform.
New Revenue Streams
Earn from transaction fees, FX spreads, or float — while offering users better money management tools.
Multi-Currency Support
Hold, convert, and manage balances across currencies to simplify international operations.
API-Driven Sub-Accounts
Easily create and manage nested accounts or sub-wallets for specific use cases, such as expense control, payroll, or project funds.
Simplified Management
Manage balances, transactions, and permissions from a centralized dashboard, with audit-ready reports.
Compliant & Secure
All accounts are issued in partnership with licensed institutions — ensuring PSD2, AML, and GDPR compliance by design.
Integrate Once, Connect to the Whole Ecosystem
Connect with trusted financial institutions and technology providers to scale your embedded finance offering across markets.
Leverage EmFi’s regulated partner network to ensure compliance and coverage across multiple regions and financial jurisdictions.
EmFi keeps all partner integrations updated, optimized, and compliant — automatically.
Secure by Design, Compliant by Default
Data integrity, regulatory compliance, and user trust — all guaranteed by EmFi's secure infrastructure.
Regular third-party security audits and penetration tests
Fine-grained permissioning for API keys and environments
Audit logging for every verification event
See the Impact: Key Metrics That Matter
FAQ
Do I need a banking license to use EmFi Accounts & Wallets?
No. EmFi operates as a technology and compliance layer, integrating with our network of licensed banks and Electronic Money Institutions (EMIs) to issue and service the accounts on your behalf.
Can users hold multiple currencies?
Yes. EmFi supports multi-currency wallets and FX conversion within your account infrastructure.
What kind of accounts can I issue?
You can issue virtual accounts, dedicated IBAN accounts, and digital wallets, allowing your users to hold funds, receive payments, and initiate transfers.
Is this suitable for both consumers and businesses?
Absolutely. Whether your users are individuals or SMEs, EmFi allows flexible account structures tailored to your use case.
Can I manage settlements between users?
Yes. You can move funds instantly between internal accounts, manage ledgers, and automate reconciliation.
Which regions are supported?
We currently support onboarding in 35+ countries across the EU, UK, US, and LATAM.
Can I make it look like my app?
Absolutely. Our components are white-label and customizable. Match your colors, fonts, and overall vibe. Most users won't even know they're using our tech.
How do I get started?
Request access to our sandbox and start creating accounts and wallets in minutes through our API.
Let’s Build the Future of Finance Together
Connect, integrate, and deliver seamless financial experiences.
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