Every platform that handles money eventually needs accounts. Whether you're building a marketplace, payroll product, or expense management tool, your customers need a place to hold and move funds.

The case for virtual accounts

Hold balances on behalf of customers without a banking license
Unique account and routing numbers for each customer
Programmatic deposits, withdrawals, and internal transfers
Full transaction history and real-time balance tracking

Virtual accounts give your customers a bank-like experience inside your product, without the regulatory overhead of becoming a bank yourself.

One account, many instruments

Once a customer has a virtual account, you can layer on additional financial products:

Issue virtual cards linked to the account balance
Create crypto wallets funded from the same account
Set up recurring payouts to external bank accounts
Apply spend controls and approval workflows per account

Built-in compliance

Every account is tied to a verified customer through KYB. Document collection, identity checks, and approval workflows are handled through the same API — no separate vendor required.

What you can ship today

Open virtual accounts for your customers via API
Issue cards and wallets linked to those accounts
Track every transaction with full audit trails
Stream events via webhooks to keep your systems in sync

If your product involves moving money, start with virtual accounts. They're the foundation everything else builds on.

Get started with Ledger's virtual account API.