The operating system for global money movement.

Unifying fiat rails, stablecoins, FX, wallets, compliance, and instant liquidity into one programmable platform for modern businesses.

Thesis

Every dollar in the financial system pays a tax to intermediaries who profit from friction.

Fees, FX markups, and days of float take a cut of every cross-border transaction. Often 2 to 6 percent all-in, with capital stuck in transit for days.

Dakota moves money on regulated rails we own end to end. We take the intermediaries out, so the fees, the spread, and the float stay with you.

The Choice

The financial system is moving onto a new stack.

Getting there leaves every company two options, and both fall short.

01
Assemble the stack yourself.
Banking, blockchain, custody, and compliance. Each its own deep specialty.
  • 18+ months before you move a dollar
  • $2M+ and 8–12 vendors to stand up
  • Licensing and compliance liability stays on you
  • Months to establish counterparty network, overhead to maintain
02
Stitch together providers.
Point products that were never built to work as one platform.
  • 5+ partners just for the basics: payments, compliance, wallets
  • Custody, licensing, and compliance liability still land on you
  • Months to integrate and clear compliance before moving a dollar
  • Rebuild from scratch as money goes agent-operated
What is Dakota?
One API to move money anywhere, instantly.

Dakota folds banking, blockchain, custody, and compliance into a single regulated platform.

Move, hold, convert, and issue money programmatically across fiat rails and stablecoins, in 130+ jurisdictions, through one integration.

⇄Payments
◫Wallets
◇Issuance
⇆FX
✓Compliance
✶Agentic
▤Cards (Q3)
Payout · Live
$10,000.00 USDC → USD
Treasury USD → US bank account
Status
Settled in 38 seconds tx_8f4a...d29c
transaction.ts typescript
client.transactions.create({ customer_id: 'cust_2abc...', amount: '10000.00', source_asset: 'USDC', source_network_id: 'ethereum-mainnet', destination_id: 'dest_9xyz...', destination_asset: 'USD', destination_payment_rail: 'ach', });
How It Works

Dakota is the institution for the new financial stack.

API
MCP Server
OpenAI / Anthropic
Dakota · Regulated Principal
Agent Layer
Payments
Custody
Issuance
FX
CardsQ3
Programmable Compliance
Settlement Rails
Banks & Counterparties
Blockchains
Products · Payments

Move money on any rail, through one API.

01
Global payouts

Pay out to bank accounts and wallets in 130+ jurisdictions. Stablecoin-to-fiat settles in seconds, not days.

02
Complex flows, one call

A single API call runs an entire multi-leg transaction: conversion, routing, and settlement across rails and assets.

03
Compliance inline

Every payment clears KYB, sanctions, and monitoring in the same flow. No vendor stack, no compliance team to hire.

Rails
ACH · Fedwire · SWIFT · On-chain
Assets
Local Currencies + Stablecoins
Coverage
130+ Jurisdictions
Settlement
Seconds
Products · Custody

Purpose-built wallets that run like software.

01
Wallets at scale

Issue segregated wallets programmatically for each customer or flow. Balances stay isolated, auditable, and instantly available.

02
Operational accounts

A business account built for crypto-native operations: treasury in local currencies and stablecoins, deployable on any rail.

03
Bank-grade controls

Institutional key management, role-based permissions, and policy controls, backed by reserve attestations and third-party audits.

Assets
Local Currencies + Stablecoins
Structure
Segregated Accounts
Oversight
Attested & Audited
Custodian
Regulated Principal
Products · Issuance

Reserve Dollar (RD), a GENIUS-compliant stablecoin.

01
Rewards built in

Customers earn rewards on their RD balances. Every dollar held with you becomes a new revenue line.

02
Fully reserved

Every token is backed 1:1, with reserve attestations and third-party audits your customers and regulators can verify.

03
Integrated across the stack

Mint, burn, and move RD with an API call. Natively wired into payments, custody, and FX.

Compliance
GENIUS Act
Backing
1:1 Reserves
Disclosure
Attestations + Audits
Integration
Payments · Custody · FX
Products · FX

Real-time FX quotes that settle in minutes.

01
In-flight conversion

Attach a conversion to any payment: send USDC and deliver EUR, or the reverse, in one transaction with one quoted rate.

02
Transparent pricing

Legacy FX takes 2 to 6 percent all-in through intermediaries. Dakota executes at one rate, quoted upfront.

03
Always-on settlement

Conversions settle in minutes and run 24/7 on blockchain rails. Your treasury is never stranded in transit over a weekend.

Pairs
Local Currencies ⇄ Stablecoins
Execution
Minutes
Availability
24/7
Pricing
Quoted Upfront
Currencies · 18
AUD·CAD·CHF·CNY·CZK·DKK·EUR·GBP·HKD·HUF·JPY·MXN·NOK·NZD·PLN·SEK·SGD·ZAR
What makes Dakota different

Dakota is a full financial stack, through one regulated API.

01
A regulated principal
MSB and state MTLs live, OCC charter pending. Dakota holds the licenses and the liability.
02
The full stack, one contract
Payments, custody, issuance, FX, and cards through a single regulated API.
03
Compliance built in
KYB, AML, sanctions, and monitoring as programmable primitives, not a separate vendor.
04
Agent-native
Hosted financial agents plus the guardrails and primitives to build your own.
Use Cases

How customers use Dakota.

Embedded Finance

Embed custody and compliance rails to offer digital dollar accounts and wallets in weeks.

Crypto-native Neobanks

Cross-Border Payments

Convert between fiat and stablecoins for lower-cost, faster international transfers.

PSPs Remittance

Global Payouts & Payroll

Pay contractors and remote teams instantly in stablecoins, fully compliant.

HR / Payroll Fintechs

Also: Platform Treasury · White-Label Stablecoins · Institutional Liquidity

Our Customers

500+ customers. Billions in volume.

$6B+
Processed
500+
Customers
130+
Jurisdictions

“Our experience with Dakota has already exceeded our expectations: fast setup, transparent operations, and a team that genuinely cares about getting things right. It’s exactly the kind of infrastructure partner we want as we scale HEVN globally.”

Petr Volnov · Co-founder & CEO, HEVN
Regulatory Foundation

Built in compliance, not bolted on.

United States
Live
MSB and state Money Transmitter Licenses
In Progress
OCC non-deposit-taking bank charter
Europe
Live
VASP registration
In Progress
EMI and CASP licenses in Luxembourg
KYB / CIP AML Screening Sanctions Checks Transaction Monitoring Blockchain Analytics Reserve Attestations 3rd Party Audits
Get Started

Choose how you get started.

Self-Serve

Sign up, purchase credits, and start moving money on your own.

  • Self-serve onboarding
  • Pay-as-you-go credits
  • Get up and running in 24 hrs
Get Started

Enterprise

Custom integration, dedicated support, and volume pricing.

  • Enterprise pricing
  • Dedicated support
  • SLAs & compliance review
Talk to Sales View docs →