Embedded Stablecoin Wallets & Accounts API

Wirex's Wallet-as-a-Service infrastructure enables fintechs, neobanks, and Web3 platforms to embed stablecoin-native wallets and bank accounts directly into their products via a unified API and SDK — without building or managing the underlying infrastructure.

Product Overview

The platform provides the full technical stack for embedded wallet creation, from on-chain wallet provisioning to named IBAN accounts, all operating under the partner's own brand. Each embedded account receives a unique virtual IBAN in USD, EUR, or GBP, enabling compliance-ready reconciliation at scale. The non-custodial architecture means end users retain full control over their funds, with no counterparty risk.

Key Features

• Embedded non-custodial on-chain wallets with named virtual IBANs per user
• Instant 1:1 fiat-to-stablecoin conversion (USD, EUR, GBP ↔ USDC, EURC) with no on-ramp or off-ramp fees
• Lightweight SDK for rapid integration — launch embedded banking in days
• Co-branded Visa card issuance funded directly from embedded stablecoin balances
• Institutional-grade stablecoin yield integration (up to 6% APY via Morpho and AAVE)
• Cross-border payments 24/7 with real-time on-chain or fiat rail settlement
• Real-time webhooks for every transaction and settlement event
• ISO-compliant API responses and unified data reconciliation across all payment rails
• Sandbox and production environments for safe testing and deployment
• Institutional-grade security via Fireblocks custody and multi-sig key management

Compliance & Architecture

Wirex manages licensing, KYB, AML, and Travel Rule compliance in the background, enabling partners to focus on product experience. The white-label API stack supports full UI control, scalable multi-tenant architecture supporting millions of users, and programmable money logic for automated treasury and payouts.

Use Cases

Fintechs and PSPs, neobanks, marketplaces, global payroll platforms, trading platforms and exchanges, gaming and digital asset companies, and Web3 and DeFi platforms seeking stablecoin-native financial experiences without constructing wallet or banking infrastructure from scratch.