StableOne issues named Virtual IBANs in USD, EUR, GBP, and AED. Clear on direct rails through one relationship, not a patchwork of local banks.
Named USD accounts for customer collections and payouts, cleared via ACH, with account-level reporting.
Issue EUR IBANs for local SEPA flows, with predictable settlement and account-level reconciliation.
Run GBP flows on Faster Payments and SWIFT, with virtual accounts mapped cleanly to programmes and clients.
Clear UAE domestic flows with named AED IBANs, connected to local rails for collections and payouts.
Virtual IBANs are the entry point. The operating model is the account tree behind them.
Run treasury and prefunding for each programme.
Hold safeguarded client money with clear oversight.
Attribute funds to each end customer and keep balances segregated.
Can we issue a unique IBAN per merchant or per end user?
Yes — named Virtual IBANs are issued at scale, aligned to your programme structure.
Do beneficiaries see local account details?
Yes — beneficiaries see local-style account details, while you reconcile against a single ledger.
How fast can we go live?
Institutional onboarding typically runs 5-10 business days, depending on regulatory profile and documentation.
Can we start with one currency and add more later?
Yes — add currencies as your programme expands.