Banking rails, provided by TwelveAI.
We issue the real financial primitives your product runs on, wallets, dedicated account numbers, transfers, USD accounts, FX, and cards, exposed to you by API key. Use ours, or connect your own; either way one interface, grounded and gated.
Our rails, or yours
Run on TwelveAI-managed rails, the same banking-as-a-service we run our own bank on, or point tools at your existing endpoints with your rates and compliance. Either way TwelveAI handles validation, retries, reconciliation, and audit so every action is safe and traceable.
How the layers connect.
Applications talk to the intelligence layer, which reasons and orchestrates, then executes against financial infrastructure and regulated providers.
Rails you can issue
Wallets & balances
NGN and USD balances with ledgering and holds.
Virtual account numbers
Dedicated pay-in accounts for your customers.
Transfers & payouts
Verified, confirmed money movement to any bank.
USD accounts & FX
Dollar balances and live-rate swaps.
Card issuing
Spin up and control virtual dollar cards.
Signed webhooks
Every state change delivered and verifiable.
Infrastructure, not a demo.
Everything here runs on the same platform we operate for real customers, grounded answers, gated writes, and a full audit trail.
- Wallets & balances. NGN and USD balances with ledgering and holds.
- Virtual account numbers. Dedicated pay-in accounts for your customers.
- Transfers & payouts. Verified, confirmed money movement to any bank.
- USD accounts & FX. Dollar balances and live-rate swaps.