Programmable U.S. banking for fintechs.
One API, many banks. Every dollar is a cash deposit placed across 3,000+ FDIC-insured banks and tokenized 1:1, one token per deposited dollar. Bank money, not a stablecoin.
Over $1B in payment volume through CFX in 2025.
Fintechs, marketplaces, card programs, and on-chain businesses settle on it.
Not just an API.
The accounts, rails, and controls the API exposes, in a banking portal your treasury and payment-ops teams run every day: fine-grained permissions, approvals, and reporting.
Home
Move Money| Date | To / From | Amount | Method |
|---|---|---|---|
Kestrel Co | $184,200.00 | ||
June payroll | −$326,540.00 | ||
Atlas MfgPending | −$57,900.00 |
One platform your whole team can sign off on.
Stablecoins are fast but risky; banks are safe but slow. CFX gives you both: a compliant U.S. payment program, live in weeks.
Ship in weeks, not an 18-month bank build.
One API for wires, ACH, RTP, virtual accounts, and on- and off-ramps between stablecoins and bank deposits. Sandbox the same day; production without the diligence cycle.
Custody that holds up to board review.
Balances are bank deposits spread across FDIC-insured banks, not one issuer’s reserve. No commercial paper. Settlement-final and audit-grade.
Controls built into the platform.
KYB, KYC, sanctions and PEP screening, and financial-risk built in, not a vendor stack you assemble and own. One audit-grade trail.
From sponsor bank to global platform.
A sponsor bank is the regulated U.S. bank a fintech partners with to hold deposits and reach the payment rails. Every CFX balance is a real bank deposit, traceable end to end.
U.S. sponsor banks.
Your dollars sit as cash deposits at FDIC-insured U.S. banks, not with a single issuer.
Tokenized deposits.
Each token is backed 1:1 by a dollar on deposit at a U.S. bank, Member FDIC.
CFX network.
Authorization and settlement across wires, ACH, RTP, and on-chain rails.
Global platforms.
Treasury, payments, pay-ins, and pay-outs, on one integration.
The complete banking stack.
U.S. wires, ACH credits and debits, RTP, and SWIFT. One operational surface, one audit trail, one team to call. No more reconciling four vendors at the end of the month.
Where your dollars actually sit.
Spread across banks, not one issuer.
Balances are bank deposits spread across many FDIC-insured banks. No single issuer, no commercial paper, and every deposit held at an FDIC-insured bank.
Tokenized only after the money clears.
Funds clear the ACH, wire, and RTP rails before CFX tokenizes them. What you hold is settled bank money.
Verifiable on-chain, billions settled.
CFX has settled billions across wires, ACH, and on-chain rails, with payments delivered to 67 countries. Every transaction is verifiable on-chain.
Built to withstand a bank failure.
CFX tokenizes deposits placed at 3,000+ FDIC-insured banks, each Member FDIC, with no single issuer to depend on. Proven through a real bank failure. See the Trust Center.
Built on a bank-approved stack.
Every identity, KYB, monitoring, and financial-risk provider beneath CFX has already cleared bank diligence, so you inherit an approved stack instead of vetting one. New partner? We add them in days, not months.
Identity & KYC
KYB & Monitoring
Financial risk
Networks
Rails
Common questions.
Ready to build on regulated U.S. banking rails?
Sign up, spin up a sandbox, and make your first call the same day.