Multi-Currency Business Accounts & Global Banking Infrastructure

Kredete's Gravv and Hinstantt platforms provide multi-currency business account infrastructure for fintechs, neobanks, PSPs, remittance platforms, and enterprises needing banking-grade financial operations via API.

Account Infrastructure

Gravv supports three distinct account types for disciplined capital management:

• Regular Accounts – Active fund movement: deposits, withdrawals, incoming customer payments, outgoing transfers, and operational balances.
• Treasury Accounts – Interest-accruing balances with minimum balance thresholds for disciplined capital allocation.
• Card Accounts – A single underlying balance supporting all customer cards issued under the program.

Businesses can issue and manage corporate multi-currency accounts across USD, GBP, EUR, CAD, AUD, and AED with virtual IBANs issued on demand. Funds can be received via virtual IBANs, cards, Apple Pay, Google Pay, and wallet addresses.

Global Payment Rails

Hinstantt provides real-time settlement rails covering RTP, FedNow, FedWire (US), SEPA (EU), EFT (Canada), CHAPS (UK), and instant mobile wallet rails across Africa. Gravv adds ACH, Wire, SEPA, SWIFT, and regional African instant payment rails — all accessible from a single API integration across 100+ countries.

Corporate Cards

Both Gravv and Hinstantt offer physical and virtual card issuance with spend controls, merchant restrictions, and custom-branded card program support, enabling businesses to manage corporate spending from centralized account balances.

Compliance and Licensing

The platforms are regulated across 40+ jurisdictions with 10+ regulatory licenses (US, Canada, UK, EU, Asia, Middle East, Africa, LATAM), 7+ global banking partners, SOC 2 Type II and ISO 27001 certification, and built-in KYB/KYC, sanctions screening, and AML/CFT controls. Hinstantt processes $5.7B+ annualized payment volume across 4,000+ businesses.