01 — payments infrastructure
Vaultwire gives fintechs and platforms a single API for card issuing, ledgering, and instant payouts — backed by a Tier 1 sponsor bank, SOC 2 Type II attestation, and 99.99% uptime.
Get API access( security & compliance )
End-to-end encryption
AES-256 at rest and TLS 1.3 in transit across every ledger entry and card event.
SOC 2 Type II & PCI-DSS Level 1
Independently audited twice a year. Reports available under NDA within 24 hours.
Real-time fraud detection
Machine-learned risk scoring screens every authorization in under 40ms.
Instant settlement
Funds land in connected accounts in seconds, not the standard T+2 banking cycle.
( scale )
processed volume, compounding monthly
Platforms building on Vaultwire go from pilot to production in weeks. Transaction volume has grown every single month since launch — no plateaus, no seasonal drop-off.
3.8×
volume growth yoy
$4.2B
processed this quarter
processed monthly, in USD millions
( why switch )
faster than legacy banking rails
card program launch
settlement time
auth latency
integration time
( scale )
B+
Total payment volume processed through Vaultwire's rails last year — across card issuing, ACH, and instant payouts, with zero unplanned downtime.
( trusted by finance & risk teams )
Vaultwire's SOC 2 report and PCI attestation cleared our vendor security review in under a week — usually that alone takes a month.
Priya Anand
Head of Risk, Northline Capital
We issued our first card program in eleven days. The ledger reconciles itself; our finance team hasn't opened a spreadsheet since.
Marcus Ferreira
CTO, Fernbank
Sub-40ms authorization latency at our transaction volume sounded impossible until we saw the dashboards ourselves.
Elena Sokolova
VP Engineering, Ionic Treasury
( status )
ninety days, tracked to the millisecond
( pricing )
One interchange-plus rate across cards, ACH, and payouts. No setup fees, no minimum volume commitments, no line-item surprises on your monthly statement.
2.9% + $0.30/ transaction
Volume discounts from $1M processed / month.
Every plan includes
( questions )
No — Vaultwire is a payments infrastructure provider. Card issuing and deposit accounts are provided by our partner bank, a Tier 1 FDIC-insured institution, under a sponsor bank agreement.
( get started )
Talk to our team about your card program, treasury flows, or payout volume. Most integrations go live within three weeks of kickoff.