Build your fintech, stone by stone
Accounts, payouts and wallets, under our licenses.
You ship the product. We run the money.
$1,000,000
Accounts for every user
Account details in their name, live from day one.
Issue each user an IBAN, sort code or routing details of their own. Money paid into them is matched to the user, converted if you want it held in another currency, and delivered to the balance you chose, without a reference to chase.
40+ currencies
Payouts on local rails
Send to any bank account, delivered as local fiat.
Pay a user or their beneficiary over SEPA, Faster Payments, ACH or Fedwire. Save destinations once and reuse them. Every payout carries a receipt with each fee on its own line, and your system hears about every step.
FEE 0.05%
Priced before you send
Show the rate and the fees. Then deliver exactly that.
Quote a transfer before it exists, with the rate, Nodu’s fee and your own margin as separate lines, and lock it for 15 minutes. The user confirms a number, and that is the number that arrives.
Under the hood
Fiat in. Stablecoin moves it. Fiat out.
Behind every balance and payout is one engine: money lands on a local rail, crosses on stablecoin where the corridor needs it, and arrives as local fiat or as USDC, USDT or EURC in a wallet. Your product decides which; the user only sees a transfer.
*Sender and recipient only ever see fiat.
Fiat in
Stablecoin moves it
Fiat out
EURUSDCBRL
10,000 EUR
Sender's bank · Berlin
$58,420 BRL
Recipient's bank · São Paulo
How it works
Onboard a user once, then every account, balance and payout hangs off that one record.
Onboarding you do not build
Send the user to a hosted verification page, or pass the data you already collect. One status tells you when they can transact.
Every event, pushed to you
Verification outcomes, incoming funds, payout progress: each arrives as a signed notification with the full object inside, so your app updates from the message alone.
Create the user
A person or a business. Have them accept the terms and pass verification, hosted by Nodu or built on your own data.
Give them a way in and a way out
Issue account details for incoming money, save the bank accounts they pay out to, and switch on the currencies and rails they need.
Move money from your product
Quote, send, and follow the transfer through notifications. Retries are safe, so a timeout never pays twice.
What fintechs build on Nodu
Built for the products that hold and move other people’s money
Neobanks, spend-management apps, cross-border wallets and lending products use Nodu for the parts a bank would otherwise have to provide.
Trust
Licensed, so your product does not have to be.
Nodu operates through licensed and registered group entities: a MiCA crypto-asset service provider and payment institution in Latvia, passportable across the EU, and a FINTRAC-registered MSB in Canada. Every user is verified before they move a cent, and every payment runs under the platform’s screening.
- MiCA + PI - Latvia (EU-wide)
- MSB - Canada (FINTRAC)
40+
Currencies & Stablecoins
Platform
One REST API, a full sandbox and a team on Slack.
Customers, wallets, account details, quotes, transfers and notifications in one reference with examples in five languages. Simulate incoming payments and verification outcomes before a real user ever signs up.
FAQs
Ready to build your money product on Nodu?
Apply for access and read the API docs. Both take minutes.
Get startedAPI docs
