If your platform offers businesses financial products, from business banking and spend management to merchant accounts and cross-border payments, your customers already expect shared team access, in-app approvals, built-in spending limits, and a clear line between who decides and who moves money. When you bring digital assets to those customers, that bar doesn’t change.
Today we launched Business Accounts, so platforms can give every business customer a digital asset account with roles, policies, and approvals built in, while each business keeps control of its own funds. Every platform that offers businesses digital assets will need business accounts. Now they don’t have to build them.
Offer Global Digital Asset Accounts to the Businesses You Serve
If you already serve businesses, Business Accounts lets you give each one an account that moves money across borders, around the clock, in stablecoins and other digital assets. That opens the door to cross-border vendor payments, global payroll, and international treasury, all with the team controls your customers already rely on and without building any of it from scratch. Here’s what makes that possible.
One Account for Each Business and Its Team
A Business Account holds as many wallets and members as a business needs, across EVM chains, Solana, and Bitcoin. Create an account, add the wallets it will hold (ops, treasury, payroll), add or remove users, and set the rules. Because every business gets its own account and wallets, its funds are never commingled with another customer’s, and the platform is never in the flow of funds.
Managing Is Separate From Signing
Moving funds is its own permission, separate from member roles and assigned wallet by wallet. That lets a business give an operations lead full control of the account with no ability to send money, or give a payments specialist access to a single payments wallet with no ability to change anything else. That’s how enterprises already move money, and now their digital assets can work the same way.
Rules for Every Wallet, Signer, and Transaction
Business Accounts includes a built-in Policy Engine that works at two levels. Platforms set baseline rules that apply across every business account, and each business sets its own rules for how its money moves within them. Rules can apply across an entire account or narrow down to a single wallet or signer, and access can be set to expire, so a contractor’s signing rights end on their own.
Approvals That Match How Teams Actually Work
Sensitive actions can require sign-off from the right people before they go through, whether that’s 1 of 2, 2 of 3, or specific named approvers. Approvers don’t need admin or signing access, so a finance lead can approve large payments without being able to move funds. The same approvals can apply to account changes like adding a new member or signer, and approver groups can be updated once to apply everywhere they’re used.
Designed for Both Human and Automated Signers
Signers can be people authorizing from their device, or API signers acting programmatically within tightly scoped policy limits. That makes Business Accounts a natural fit for automated business workflows like scheduled payouts, payroll runs, and recurring vendor payments, with every transaction held to the same rules as a human signer.
Built for Platforms, From the API Up
Platforms can provision accounts, wallets, and signers for their own customers directly from their backend. Webhooks report every change in real time, including each step of an approval, so your app always stays in sync and can show live status. Every policy and access change is logged and available through the API, ready to surface as an activity history inside your product.
Tamper-Proof Rules and a Full Audit Trail
Policies are created and attested in trusted execution environments (TEEs), so they can’t be tampered with or bypassed from the app or a user’s device. Every rule is enforced before a transaction is signed, and screening is on by default to catch transfers to malicious or sanctioned addresses, address poisoning attempts, and risky token approvals. Every policy change, access change, and transaction is logged in a complete audit trail, so businesses always know who did what and when. Every Business Account is secured by TSS-MPC, so a wallet’s full private key never exists in one place.
Here’s How It Comes Together
Take a growing logistics company that pays its suppliers in USDC through a payments platform built on Business Accounts. Its finance team sets up a dedicated vendor payments wallet with two simple rules. Money can only go to suppliers on an approved list, and anything over $5,000 needs sign-off from two of the three people on the finance team.
On Monday, an operations manager submits a $6,000 payment to a regular supplier. The payment clears the first rule automatically, then waits. Two finance approvers review it and sign off, and the funds go out. The platform’s app shows the payment’s status, so the operations manager never has to chase anyone down.
Later that week, someone tries to send $50,000 to an address that isn’t on the approved list (maybe it’s a mistake, maybe it’s a phishing attempt). Either way, it never reaches an approver, because the rules stop it before it can go anywhere.
Built for the Way Businesses Move Money
Business Accounts is designed around the ways businesses already move money:
- Merchant account platforms (PSPs) can let each merchant manage its own business, with role-based permissions and approval workflows inside the platform’s boundaries
- Cross-border payment platforms can give each business its own account for sending funds across borders, with approvals and limits that match how it already operates
- Business banking platforms can offer each business customer its own digital asset account, run by that business’s own team and governed by its own approvals, including businesses in industries traditional banks often underserve
- Institutional investment platforms can provision accounts for institutions and family offices to hold and manage tokenized assets
Platforms set the baseline policies, and each business manages its own funds, team, and rules within them, all inside an experience embedded in the platform. The same integration covers every use case above, so a platform that starts with business banking can extend into payroll or vendor payments without rebuilding anything.
Learn more about Business Accounts and try the live demo today.
