NEWPockyt × Circle: native USDC settlement now live →
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Money held · Hold & convert
Real bank accounts.
Programmable balances.
27 currencies + USDC.
In-country accounts held in your merchant name across 11 domiciled markets. Hold balances in any of 27 fiat currencies or USDC. Convert at mid-market on demand. One ledger, one API surface — the layer the other primitives plug into.

Your treasury, one view

va_us_usd_main$2,847,251.40
va_br_brl_mainR$ 1,204,889.10
va_sg_sgd_mainS$ 412,008.55
va_eu_eur_main€ 891,422.07
tr_us_usdc_main$ 3,124,889.00
Real domiciled accounts. One ledger.
Why this matters
Most "global money" platforms are
passing through someone else's bank.
The standard cross-border model: a payment processor collects on your behalf, holds funds in a pooled settlement account, and sweeps you home minus fees and spread. You never have a real account in the local market. You have a position on someone else's ledger.

Pooled settlement model

The processor holds your funds in commingled accounts under their name. Settlement is T+N. FX happens at their wholesale rate, with margin you don't see. Reconciliation works in their ledger; your treasury team works backward from statements. When something goes wrong, you have a vendor relationship, not a banking one.

Virtual Accounts on Pockyt

A real bank account, in your merchant name, domiciled in the local market. You see balances in real time. You convert at mid-market when you choose. You sweep when you choose. Treasury team has the same control as if you'd opened a local bank account — without the relationship and renewal overhead.

Where they exists
11 domiciled markets. Real bank infrastructure in each.
Pockyt holds the operating banking relationships and regulatory licenses across these markets so you don't have to. Each market gets a real, addressable bank account in your name — not a sub-ledger position.
US
United States
USD · ACH, Wire, FedNow
EU
European Union
EUR · SEPA, SEPA Instant
GB
United Kingdom
GBP · FPS, BACS
SG
Singapore
SGD · PayNow, FAST
HK
Hong Kong
HKD · FPS, RTGS
JP
Japan
JPY · Zengin
CN
China
CNY · Local rails
AU
Australia
AUD · NPP, BECS
CA
Canada
CAD · Interac, EFT
BR
Brazil
BRL · Pix, TED
MX
Mexico
MXN · SPEI
+ more
Coming Q3 2026
India · Indonesia
Hold & Convert
27 fiat currencies + USDC. One ledger. One conversion model.
Every Pockyt account can hold any combination of supported currencies. Convert between them on demand at mid-market with a transparent spread, or hold positions across currencies as treasury policy dictates. Stablecoin is a first-class citizen — not a separate vendor or a separate ledger.

Fiat balances
27 supported

  • USD · EUR · GBP · JPY · CHFMajor
  • SGD · HKD · AUD · CAD · NZDMajor
  • CNY · KRW · TWD · THB · IDR · PHPAPAC
  • BRL · MXN · ARS · COP · CLP · PENLATAM
  • SEK · NOK · DKK · PLN · ZAR · TRYEMEA

Stablecoin balances
Native

  • USDCEthereum · Base · Polygon
  • USDTEthereum · Tron
  • PYUSDEthereum
  • Mid-market FX, fiat ↔ stableOn demand
  • Direct on-chain rails for payoutSupported

The stablecoin sandwich

The pattern that defines how Pockyt treasury actually moves: collect locally into a domiciled virtual account, convert at mid-market to USDC, hold or settle as USDC. Bypasses 2-4% FX margin and same-day correspondent banking that the conventional model loses to.

# Internal transfer between two accounts
curl https://mapi.pockyt.io/v3/transfer/internal 
  -H "Accept: application/json" 
  -H "Content-Type: application/json" 
  -d '{
    "amount":                    "10000",
    "currency":                  "USD",
    "sourceAccountNumber":       "244275893769",
    "destinationAccountNumber":  "244182028636",
    "invoiceId":                 "129153721363341316",
    "ipnUrl":                    "https://example.com/webhooks",
    "note":                      "Bonus",
    "merchantNo":               "203113",
    "storeNo":                  "301854",
    "merGroupNo":               "100009",
    "timestamp":                "2026-03-23T17:00:00Z",
    "verifySign":               "cb74eb92eebadc97445d559bc5501012"
  }'
POST /fx/execute
Capabilities
What lives in one product surface.

01

Real bank accounts

Held in your merchant name. Domiciled in 11 markets. Backed by Pockyt's licensed banking infrastructure.

02

27 fiat currencies + USDC

Hold balances in any supported currency. Move between them on demand. Stablecoin treated as a first-class asset.

03

Mid-market FX

Transparent quote, transparent spread (in basis points), locked rate. No wholesale margin hidden in the rate.

04

Programmable sweeps

Express sweep policy as rules: thresholds, floors, frequency, target currency. Programmable Logic handles execution.

05

Sub-accounts at scale

Issue virtual sub-accounts under any parent — for invoices, sellers, customers, projects. Auto-match on receipt.

06

One ledger

Every balance, conversion, sweep, deposit, and withdrawal rolls up to a single Pockyt ledger. One export, one source of truth.

When to use
Where Virtual Accounts changes the operation.

1. Multi-market operating businesses

Any business that collects, holds, and pays in more than two currencies. Virtual Accounts replace the multi-bank, multi-vendor treasury operation with one programmable layer.

2. Marketplaces and platforms

For platforms that need to issue accounts to their own users — sellers, partners, sub-merchants — the sub-account model scales without per-account banking relationships.

3. Crypto-native businesses needing fiat treasury

Companies operating primarily in USDC that need fiat capability for vendor payments, payroll-adjacent flows, or regulatory commitments. Hold USDC; convert to fiat on demand.

Real banking. Programmable.

Talk to our team about replacing your multi-bank, multi-vendor treasury setup with one operating layer.