Virtual Bank Accounts that auto-convert fiat to crypto
Named IBANs & Account Numbers across 30+ countries
Issue Named Virtual Bank Accounts in your users’ names across the US, all 27 EU countries, UK, and India. Every fiat deposit automatically converts to stablecoins or crypto. No widget. No checkout. Fully programmatic.
Build a banking experience, not the entire bank.
Neobanks, wallets, and fintechs can offer real account numbers, receive deposits, and automatically convert to stablecoins — all through Transak’s regulated infrastructure and a single API.
Fiat via Bank Transfer
SEPA · FPS · ACH · Wire
Transak API
Virtual Accounts · KYC · Compliance
Crypto to User’s Wallet
Auto-converted · Instant delivery
Named IBANs via API
Issue real bank accounts in users' names programmatically. Each account is unique, no reference codes needed.
Fully Programmatic
No UI, no widget. Create accounts, track deposits, and manage conversions entirely through REST APIs and webhooks.
Compliance Handled
Transak manages KYC, AML, banking relationships, and regulatory licensing across all supported geographies.
Your Brand, Invisible Infra
Users see your app. Transak operates behind the scenes. Build fintech products on top of our banking rails.
Programmatic payments. Two directions.
Issue Virtual Bank Accounts via API. Every fiat deposit auto-converts to crypto. Every crypto send auto-converts to fiat.
Transak Stream On-Ramp
Fiat to CryptoUsers get a Named Virtual Bank Account (IBAN, sort code, account number) in their name. Any fiat deposited via bank transfer is automatically converted to stablecoins or crypto and delivered to their wallet.
- Named IBANs issued via API
- Auto-convert on every deposit
- SEPA, FPS, ACH, Wire support
- Built-in DCA via recurring transfers
- 30+ countries with Virtual Accounts
Transak Stream Off-Ramp
Crypto to FiatUsers get permanent, dedicated wallet addresses per crypto/network. Send crypto to the address and fiat is automatically deposited to their bank account or debit/credit card via Visa Direct and Mastercard.
- Dedicated wallet addresses per chain
- Auto-deposit to bank or card
- Visa Direct & Mastercard payouts
- 64+ countries supported
- As fast as 19 seconds
Stream vs Standard Checkout
| Standard Checkout | Transak Stream | |
|---|---|---|
| Setup | Every transaction | One-time only |
| User action | Widget → select → enter details → confirm | Just send crypto or bank transfer |
| Speed | ~4 minutes | As fast as 19 seconds |
| Widget needed? | Yes, every time | No, fully automated |
| Bank details | Entered each session | Locked in once |
| DCA support | No | Yes, recurring transfers |
| Best for | One-off transactions | Recurring & automated flows |
Real-world flows powered by Stream
See how businesses use Virtual Accounts and Stream wallet addresses to move money automatically.
Stablecoin Payroll
Employees receive crypto salary without the employer ever touching crypto.
Employer
Runs standard payroll
Employee's Virtual Account
Named IBAN in employee's name
USDC / USDT
Delivered to employee's wallet
The employer never handles crypto. They just pay a standard bank account. The employee gets stablecoins automatically. Works with Deel, Remote, Papaya Global, or any payroll system.
Dollar-Cost Averaging (DCA)
Automated recurring crypto purchases with zero manual effort.
User's Bank App
Sets up standing order
Virtual Account
Receives each deposit
BTC / ETH / USDC
Accumulates weekly
No app to open. No buttons to click. The user sets a recurring bank transfer once. Every deposit automatically becomes crypto. Daily, weekly, or monthly, whatever the user's bank supports.
Cross-Border Remittance
The "stablecoin sandwich": fast, cheap, compliant cross-border payments.
Sender (US)
Sends USD to VA
USDC
On-ramp via Stream
Recipient (EU)
Off-ramp to EUR bank
Fiat → stablecoin → move across borders instantly → off-ramp to local fiat. Minutes instead of 3–5 days. 1–3% instead of 6–11% fees. No correspondent banks.
DeFi Yield & Gaming Cash-Out
One-step fiat off-ramp for yield, rewards, and in-game earnings.
DeFi / Game
Yield or token rewards
Stream Wallet
Dedicated address
Fiat in Bank
USD · EUR · GBP
Yield farmers, gamers, and creators send tokens to their saved Stream address. Fiat hits their bank automatically — no checkout flow, no widget, no friction.
Marketplace Settlements
Unique Virtual Accounts per seller for automatic payment reconciliation.
Buyer
Pays via bank transfer
Seller's Virtual Account
Auto-reconciled, no ref codes
USDC to Seller
Instant stablecoin payout
Every seller gets a unique Virtual Account. Payments are automatically reconciled — no reference codes needed. Fiat converts to stablecoins for instant, cross-border seller payouts.
Virtual Bank Accounts across 30+ countries.
A single EUR IBAN covers all 27 EU member states. Combined with USD, GBP, and INR, that’s 30+ countries where your users can receive a Named Virtual Bank Account today. Four more currencies coming soon.
Payment Rails (Fiat In)
- SEPA Instant & Standard (EU)
- Faster Payments (UK)
- ACH (US)
- Wire Transfer (US)
- UPI & Bank Transfer (India)
Supported Stablecoins & Crypto
- USDC, USDT, PYUSD, DAI
- ETH, BTC, SOL, XRP, BNB, MATIC
- 180+ cryptocurrencies total
- 45+ blockchain networks
- View full crypto coverage
Virtual Account Supported Currencies
Coming Soon
Without Virtual Accounts, Transak supports on-ramping and off-ramping via cards, bank transfers, and local payment methods across 64+ countries worldwide.
Regulated. Certified. Trusted.
18 active regulatory licenses across the US, UK, EU, Canada, Australia, and India. 22 more in progress globally.
Integrate Stream into your product
Stream is designed for platforms that want to offer automated, recurring, or programmatic fiat-crypto flows — without building compliance, banking, or conversion infrastructure.
- API-driven — issue Virtual Accounts and Stream wallet addresses programmatically
- White-label ready — your brand, your UX. Transak is invisible.
- Compliance included — KYC, AML, and 18 active licenses across 64 countries
- Webhook notifications — real-time event updates for every transaction
- Sandbox environment — test the full flow before going live
- Revenue sharing — earn on every transaction your users make
Deel, Remote, Papaya Global — enable employees to receive stablecoin salary via Named Virtual Accounts. The employer just pays a bank account.
MetaMask, Trust Wallet, Phantom — offer 19-second off-ramp, automated DCA, and near 1:1 stablecoin purchases to your users.
Seamless fiat on/off-ramp for trading platforms. Users cash out yield and rewards automatically — no checkout friction.
Build stablecoin-powered cross-border payment flows. Virtual Accounts on both ends, stablecoin settlement in the middle.