Global Banking & Stablecoin Infrastructure for FinTechs
Entering the U.S. banking system is still slow, fragmented, and expensive for most growing fintechs. Sponsor-bank review, licensing, account structures, and compliance requirements stack up fast, and building all of it from scratch can take years most companies don’t have.
PRETpayments closes that gap with an API-first layer that sits between your product and a licensed sponsor bank. Through our platform, you get named U.S. deposit accounts, ACH and wire connectivity, sponsor-bank access, compliance workflows, and global settlement rails all accessible through documented API endpoints and webhooks, without manual onboarding.
Deposit accounts are provided by our sponsor bank, Member FDIC. Pass-through deposit insurance is available up to $250,000 per depositor, subject to certain conditions.
PRETpayments is headquartered in Chicago and built around one problem: making global financial programs bankable in the U.S.
PRETpayments
at a Glance
Settlement Rails:
ACH (standard and same-day), Fedwire, FedNow, RTP, plus international rails
Account Structures:
True accounts and virtual accounts (vIBANs), issued through licensed sponsor banks
Reliability:
Built around a 99.5% uptime commitment
Onboarding:
As quickly as a few business days for straightforward programs; timeline varies with compliance complexity
What Is
Banking as a Service?
Banking as a service is a model that lets non-bank businesses offer banking products accounts, payments, cards without becoming a licensed bank themselves. A provider sits between the fintech and a licensed sponsor bank, handling the technical and compliance work so the bank keeps regulatory control while the fintech moves fast.
PRETpayments is that provider. We connect approved programs to sponsor-bank, compliance, and settlement infrastructure through one API integration. Banks keep full visibility into customer approval, funds custody, and compliance, while our platform handles account issuance, ledgering, reporting, and transaction orchestration underneath.
Our
Top-Notch Services
PRETpayments’ infrastructure comes in modular layers start with what you need, and expand as your program grows. See our full capabilities breakdown for API references and integration details on each service below.
01
Level 1 BaaS
Our foundational layer issues named accounts, supports customer programs, manages funds movement, and connects payments, ledgering, and compliance in one bank-visible layer. Programs integrate through REST API endpoints, with webhooks delivering real-time transaction and status events.
02
Bank Sponsorship
For fintechs and MSBs without existing U.S. banking relationships, PRETpayments connects approved programs with sponsor-bank and fintech partners, supporting compliant U.S. market entry. We maintain access to multiple banking relationships across our network, rather than concentrating every program on a single institution.
03
Account Infrastructure & Named U.S. Accounts
We issue business accounts, individual accounts, non-resident accounts, and multi-entity structures, all through licensed sponsor banks, not PRET directly. FDIC deposit insurance applies to eligible accounts, up to the standard coverage limit, subject to FDIC pass-through insurance rules.
04
Stablecoins & Wallets
We support stablecoin wallets, on/off ramps, USD accounts, and liquidity, connecting stablecoin flows with traditional banking rails rather than treating them as a separate system.
05
Compliance & Bank Visibility
KYC/KYB, AML/BSA workflows, sanctions screening, transaction monitoring, and audit reporting sit at our core, built so sponsor banks keep full oversight of every program.
06
Settlement & Treasury
Pay-ins, payouts, FX, liquidity, and treasury movement round out our infrastructure, supporting domestic and cross-border workflows across ACH (standard and same-day, push and pull), Fedwire, FedNow, and RTP rails.
07
Cross-Border and Global Payments
Our infrastructure combines account issuance, FX, and multi-rail settlement ACH, wire, Fedwire, RTP with compliance built in, all in one connected system.
08
Business Payment Solutions
For companies that need to move money at the business level, our business portal handles automated invoice processing and real-time payment acceptance, and our merchant services cover point-of-sale systems and invoicing tools. For platforms onboarding and settling funds for their own sub-merchants, we support payment facilitator (PayFac) models. See current plan pricing for how these are packaged.
09
Institutional Portal & Money Transfer Application
Approved programs manage transfers, accounts, and reporting through our financial institution portal, with one sign-in instead of juggling separate logins across banking partners.
10
Payment Gateway Integration
Businesses accepting payments online can integrate our payment gateway directly into their website or app through an API. Paired with named account infrastructure, this gives approved businesses a full set of online payment tools.
Built for Global,
Non-U.S. Companies
Most of our fintech clients aren’t U.S.-based. Non-U.S. companies building payment, wallet, or embedded-finance products hit the same wall when they want to serve U.S. customers or hold U.S. dollars: no sponsor-bank relationship, no compliance setup built for U.S. rules, and no fast path to a named account.
We solve this through one API integration. Approved programs can onboard in as quickly as a few business days, though the exact timeline depends on the complexity of your compliance and jurisdictional requirements.
Trust
& Compliance
PRETpayments’ infrastructure is built around institutional security and compliance standards. Our compliance program covers KYB/KYC, beneficial ownership verification, sanctions and adverse-media screening, transaction monitoring, and recordkeeping, in line with BSA and AML requirements. We maintain documented incident response and business continuity procedures, and have had no known material data breach affecting customer data or funds in the past three years.
While a public case study isn’t available yet, comparable client references can be arranged under NDA during evaluation ask your PRET contact to coordinate this.
Fintech Partnerships and
Bank Visibility
None of this works alone. Every program on PRET touches a sponsor bank and a compliance partner, and many also touch a liquidity or settlement partner. These partnerships decide how smoothly a program runs day to day.
Here’s what sets us apart: visibility, not volume. Many providers route everything through one large, undifferentiated account, which leaves the sponsor bank guessing who’s actually transacting underneath it. PRET works the other way: each program stays distinct, so a bank can see which customer, which transactions, and which compliance record belong to what.
Who PRET Is
Built For
-
Fintechs building account, wallet, payment, or embedded-finance products
-
MSBs and money-transfer companies needing U.S. banking access and compliance-ready operations
-
Wallet platforms needing USD accounts and stored balances
-
Stablecoin companies needing banking rails, on/off ramps, and settlement
-
Cross-border platforms needing U.S. access, FX, and local settlement (ACH, wire, RTP)
-
Banks and fintech partners needing an orchestration layer for sub-programs and reporting
Our lane is the banking and compliance infrastructure layer underneath these products, not the front-end brand a customer sees at checkout.
Frequently
Asked Questions
1. What does PRETpayments actually offer?
We issue the account through a licensed sponsor bank, then connect it to everything a program needs: ACH, wire, FX, ledgering, and reporting, all accessible via API. Think of it as the plumbing underneath a fintech’s payment and banking features.
2. Is PRETpayments a bank?
No. A licensed sponsor bank owns the regulatory relationship with each customer approvals, funds custody, compliance oversight. PRET handles the coordination layer above that: technology, reporting, and program structure.
3. How long does onboarding take?
It varies by program. Compliance complexity drives the timeline more than technical setup; a straightforward account-issuance program clears faster than one involving multiple jurisdictions or a novel product structure.
4. Can non-U.S. companies use PRETpayments?
Yes, it’s a large part of why PRET exists. Fintechs based outside the U.S. usually lack a sponsor-bank relationship and a compliance program built for U.S. rules. PRET closes that gap without requiring you to relocate or build a U.S. entity from scratch.
5. Does PRETpayments support stablecoins?
Yes. A program can hold a stablecoin wallet and a USD account side by side, move value between the two through the same on/off-ramp infrastructure, and settle either one without a second provider.
6. Dpayment rails does PRETpayments support?
ACH (standard and same-day, push and pull), Fedwire, FedNow, RTP, and international rails, depending on your use case and how fast you need to settle.
7. Who is PRETpayments built for?
Approved fintechs, MSBs, wallet platforms, and stablecoin companies that need real banking infrastructure underneath their product, not individual consumers, and not businesses that just want a checkout tool. If your product needs a named account or a sponsor-bank relationship behind the scenes, that’s the fit.