Banking infrastructure
for the internet era
TikiPay is a payment system with FDIC-insured virtual accounts for businesses and individuals. Open accounts in one API call, move money via ACH, Wire, Realtime and international rails — and run an IT freelance marketplace on top.
2
account types — business & individual
8
payment rails
180+
countries via SWIFT
24/7
realtime settlement
What you can do here
Accounts, payments and a marketplace —
all in one platform
TikiPay is a regulated payment system first. Open FDIC-insured virtual accounts for your business or yourself, send and receive money on every major rail, and run an IT freelance marketplace with escrow on top.
Virtual accounts for businesses
Open FDIC-insured checking accounts for your company in one call. Get a real account and routing number, dynamic account numbers, and FBO sub-accounts for your customers.
Virtual accounts for individuals
Personal demand-deposit accounts with full KYC/AML. Deposit, hold and move money with the flexibility of a checking account — FDIC insured up to $250,000.
Every payment rail
Originate ACH credits and debits, send domestic and international wires via FedWire and SWIFT, settle in real time 24/7/365, and book-transfer between your own accounts instantly.
Escrow-protected marketplace
On top of the banking layer, run an IT freelance marketplace: clients fund escrow, freelancers deliver, funds release on approval. No unpaid work, no chasing invoices.
Multi-currency & crypto
Hold USD, EUR and GBP. Auto-convert to USDC and withdraw to Ethereum, Base, Solana, Polygon and more. Fiat and crypto from one balance.
Built-in messaging
Chat with clients or freelancers directly on the platform. Share files, discuss specs, agree milestones — no external tools needed.
Banking infrastructure
Programmable accounts and rails
built for developers and businesses
Spin up scalable, FDIC-insured bank accounts in one API call. Every account comes with a real account and routing number, and supports the full range of payment rails.
Demand Deposit
Easy access to funds. Deposit and withdraw whenever the Fed is open. FDIC insurance up to $250,000.
Protected Accounts
Industry-leading protection for larger balances. FDIC insurance up to $150,000,000.
FBO Accounts
Open accounts on behalf of others. For-benefit-of virtual sub-accounts for maximum flexibility.
Every rail, one API
ACH
Originate ACH credits and debits. All five settlement windows, full NACHA control.
Wire
Transfer funds immediately to any bank via FedWire. Receive domestic and international wires with instant updates.
Realtime
Real-time payment rails from The Clearing House and Federal Reserve. Instant, transparent, 24/7/365.
International Wires
Direct SWIFT access. Send money to over 180 countries in a single API call.
Book Transfers
When you own both accounts, transfers are real-time every second of the day.
Ledger
Every transaction auto-ledgered onto a system of record. Full visibility with the ease of an API.
Dynamic account numbers
Create multiple account numbers pointing to a single bank account, each with its own permissions and limits. Add and remove them without touching the underlying account.
A payment system, not just a marketplace
Not another freelance site.
A regulated payment system.
TikiPay is built on real banking infrastructure — programmable, FDIC-insured accounts and every major payment rail. The IT freelance marketplace runs on top of that foundation, so money moves faster, cheaper and across borders where others hit the rails of a past era.
TikiPay
- Regulated payment system with virtual accounts
- Business & individual entity onboarding
- FDIC insurance up to $250K (and $150M protected)
- ACH, Wire, Realtime, International & Book Transfers
- FBO sub-accounts for your customers
- Escrow marketplace built on the banking layer
Others
- Marketplace + separate bank + exchange
- Only individuals, no business accounts
- No FDIC insurance disclosure
- One rail, manual wires, slow settlement
- No virtual sub-accounts
- Payments bolted on as an afterthought
How it works
From onboarding to payout.
01
Onboard your entity
Sign up as a business or individual. Pass KYC/AML and we create your legal entity and open your FDIC-insured virtual account — fully online.
02
Move money
Send and receive via ACH, Wire, Realtime or international rails. Hold USD, EUR, GBP, or convert to crypto. Book-transfer between your own accounts instantly.
03
Run your marketplace
Post or bid on IT projects. Clients fund escrow, freelancers deliver, funds release on approval. Payouts in fiat or crypto in one click.
Compliance & disclosures
Built to banking standards
FDIC insurance
Deposits are FDIC insured up to $250,000 per depositor, per insured bank, for each account ownership category. Protected accounts extend coverage up to $150,000,000.
KYC / AML program
Every business and individual entity completes identity verification. Business entities provide beneficial ownership. Counterparties are screened for ACH and wire transfers.
Regulated banking partner
Accounts and payment rails are provided through our partner bank, a chartered financial institution. TikiPay operates as a program manager on top of regulated infrastructure.
Privacy & data
We collect only what's required to open and maintain your account, and protect it with bank-grade encryption. See our Privacy Notice for details.
Security & trust
Money and data protected
to banking standards
FDIC insured
Accounts insured up to $250,000 (standard) and up to $150,000,000 (protected). Your deposits are safe.
KYC / AML
Identity verification for every business and individual entity — for clients, freelancers and counterparties.
Escrow protection
Marketplace funds held safely until work is approved. No unpaid work, no unpaid invoices.
Open your virtual account today.
Banking infrastructure in one API.
Join TikiPay — open an FDIC-insured virtual account for your business or yourself, move money on every rail, and run an IT marketplace on top.