Products

Financial infrastructure components for modern products.

Axora combines accounts, payments, wallets, digital asset workflows, compliance operations, ledgering, reconciliation, and APIs into one infrastructure platform for approved businesses.

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Platform Capabilities

Choose the capabilities your product needs.

Axora is modular by design. Businesses can start with a focused use case, then add more capabilities as their product, compliance approvals, and provider routes mature.

7Core product modules
APIControlled integration model
OpsCompliance, ledger, and reconciliation
Accounts

Offer account experiences through approved infrastructure.

Axora helps businesses create account and virtual account experiences for approved users and businesses through regulated banking, EMI, payment, and infrastructure partners.

  • EUR, GBP, USD, and multi-currency routes where available
  • Named accounts or virtual account references where approved
  • Inbound payment collection and outbound payment initiation
  • Account status, balance records, provider references, and reconciliation

Account availability depends on provider approval, legal entity routing, supported jurisdiction, user eligibility, and product scope.

Account operationsRoute approved
EUR AccountVirtual referenceActive
GBP AccountProvider routeReview
USD RouteProgram scopePending
Payment workflowMonitored
CreatedBeneficiary checkPass
SubmittedProvider railProcessing
ReconciledProvider referenceMatched
Payments

Move money across supported rails with control and visibility.

Axora orchestrates payment workflows across supported local and cross-border rails, helping businesses manage deposits, withdrawals, payouts, reconciliation, and exceptions in one operational layer.

  • Cross-border payments via SEPA, SWIFT, ACH, wire, and local rail routes
  • SEPA, Faster Payments, ACH, wire, SWIFT, and A2A routes where available
  • Same-name payment workflows and approved third-party payment workflows
  • Beneficiary controls and payment status tracking

Third-party payments, business payouts, salary payouts, and marketplace settlement flows require additional approval and may not be available in all regions.

Wallets & Ledger

Track balances, fees, settlements, and financial movement.

Axora's ledger layer helps financial products represent user balances, business balances, fees, suspense positions, settlement records, treasury movements, and provider reconciliation.

Balance Records

Represent user, business, workspace, and operational balances in a structured ledger model.

Settlement Records

Track fees, suspense positions, settlement status, and provider references.

Reconciliation

Match provider transactions, ledger entries, payment statuses, and reporting exports.

Ledger records represent platform accounting and operational tracking. Underlying funds and assets are held or serviced through the applicable regulated entity, partner, or provider route.

Digital Assets

Add stablecoin settlement and digital asset workflows to your product.

Axora supports stablecoin settlement, fiat-to-digital asset conversion, digital asset-to-fiat workflows, and wallet infrastructure through approved regulated and provider structures.

  • Stablecoin settlement workflows
  • Fiat-to-digital asset and digital asset-to-fiat workflows
  • Wallet and custody provider integrations
  • Blockchain analytics and Travel Rule support where required

Digital asset services are subject to jurisdiction, user eligibility, asset support, provider approval, and the availability of a licensed or sponsored regulatory route.

POST /v1/conversions/quote
{
  "from": "EUR",
  "to": "USDC",
  "amount": "1000.00"
}
Cards

Extend balances into card experiences through approved programs.

Axora can support card-related workflows where an approved card sponsor, issuer, processor, and regulated structure are available for the relevant product and jurisdiction.

Card workflows may include

  • Virtual and physical card workflows where approved
  • Spend controls and authorization logic
  • Cardholder controls, transaction records, and reconciliation

Card availability depends on sponsor approval, issuing structure, product scope, jurisdiction, customer type, and compliance review.

Compliance Operations

Coordinate onboarding, monitoring, and case operations.

Axora helps teams manage compliance workflows across customers, users, providers, and financial products.

Onboarding

KYC, KYB, document collection, risk scoring, and verification status.

Monitoring

Sanctions, PEP, adverse media, velocity controls, and transaction monitoring.

Evidence

Compliance cases, audit trails, reporting exports, and review notes.

APIs

Build financial features into your product.

Approved customers and partners can integrate accounts, payments, wallets, compliance, ledger, reporting, and webhooks into their own products.

API access is provided after business review, compliance review, commercial approval, and technical onboarding.

GET /v1/ledger/entries
GET /v1/reconciliation/items
POST /v1/payments
POST /v1/compliance/customers

Build only what makes your product different.

Axora gives your team the infrastructure layer for accounts, payments, wallets, digital asset workflows, compliance, ledgering, reconciliation, and APIs.

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