Product
Banking, cards and books. One product.
Three things you currently pay three companies for, designed to work as one.
Accounts
Hold 32 currencies. Pay like a local.
Local account details in the US, UK, EU and nine more markets. Convert at the mid-market rate plus 0.4%, shown before you confirm.
Local details in 12 markets
0.4% FX
Same-second transfers
Total balance
+12.4%
$248,920.14
JAN
DEC
Northbank
BUSINESS
ENGINEERING
•••• 7710
Northbank
BUSINESS
ADA OKAFOR
•••• 4821
Cards
A card for every person and purpose.
Virtual cards in seconds, physical ones in three days. Each has its own limit, merchant rules and owner.
Unlimited virtual cards
Per-card limits
Freeze in one tap
Bookkeeping
Every payment, already filed.
Transactions are categorised, matched to receipts and pushed to your ledger as they happen. Month end becomes a review, not a project.
Receipt matching
Ledger sync
Audit trail
Recent activity
TODAY
Lumen Studio
Software
−$144.00
Okapi payout
Income
+$8,420.00
Mistral Cloud
Infrastructure
−$1,203.55
Payroll, March
Team
−$32,400.00
Under the hood
Built like infrastructure, not an app.
Same-second transfers
Pre-funded in every corridor, so nothing waits for a batch.
Safeguarded funds
Customer money is held separately at tier-one partner banks.
Two-person approval
Set payment thresholds that need a second pair of eyes.
Open API
Everything in the app is available over a documented API.