Multi-currency accounts
Hold, convert, and reconcile 42 currencies from a single balance-sheet view. Local account details where your revenue lives.
Global treasury & banking infrastructure
Capital, held to a higher standard.
Vaultic gives finance teams multi-currency accounts, corporate cards, and 4.10% APY treasury — behind approval controls your auditors will quote in meetings.
No monthly minimums · Onboarding in one business day · 42 currencies
- Moved annually
- $8.4B
- Currencies held natively
- 42
- Treasury yield
- 4.10%
- Platform uptime
- 99.99%
Capabilities
Built like a vault. Moves like software.
Every primitive a modern finance team needs, engineered to the standard a balance sheet deserves.
Corporate cards
Issue physical and virtual cards in seconds, with limits that enforce themselves and receipts that chase people for you.
Treasury yield
Idle cash sweeps nightly into short-duration government instruments. 4.10% APY, accrued daily, liquid the next business day.
Global payments
Local rails in 60+ corridors. Same-day where the market allows, and a transparent 0.40% over mid-market everywhere.
Approval policies
Route every dollar through rules — thresholds, dual sign-off, vendor allowlists. Exceptions need signatures, not Slack threads.
Ledger-grade API
Idempotent, versioned, webhook-first. Reconciliation objects map one-to-one to your ERP. Your integration will feel understood.
Operations
One ledger. Every account. Zero exports.
Positions, payments, and approvals live in a single real-time view — so month-end is a check, not an archaeology dig.
- Real-time positions across every entity, account, and currency — refreshed as money moves, not overnight.
- Dual-control approvals with an immutable, exportable audit trail your controller can hand straight to the auditors.
- Auto-reconciliation that posts clean entries to your ERP — categorized, matched, and closed without a spreadsheet.
Operating · USDLive
ACCT ··7291
$4,829,301.54
+$182,440.19 this month
- Meridian SystemsINV-2041 · Received +$48,200.00
- Payroll · 3 regionsRUN-0118 · Dual-approved −$212,644.90
- FX sweep USD → EUR@ 0.9214 mid + 0.40% −$150,000.00
- Northgate LogisticsINV-1987 · Received +$96,410.00
USD→EUR 0.9214 · USD→GBP 0.7861 · USD→JPY 156.42 · USD→SGD 1.3388
Calculator
Run the numbers on your current bank.
Three sliders. One uncomfortable total.
Back in your treasury, every year
$23,265
- FX margin recovered
- $11,520
- Card cross-border fees gone
- $1,620
- Treasury yield at 4.10% APY
- $10,125
Illustrative estimate. Assumes a 2.8% legacy FX margin, 0.9% blended card cross-border cost, and 0.05% legacy APY — versus Vaultic's 0.40% flat FX, zero card FX markup, and 4.10% APY on swept balances. Yields are variable and not guaranteed.
Security
Security that reads like a charter.
We assume hostile networks, fallible humans, and curious auditors — then build for all three.
Segregated custody
Client funds sit with regulated custodian institutions, segregated from Vaultic's operating capital. Your balance never touches our balance sheet — structurally, not contractually.
Hardware-key access
FIDO2 hardware keys are enforced for every administrative action. Passwords alone move nothing. Session anomalies freeze the account before they become incidents.
Approval firewalls
Dual sign-off above thresholds you set, per user, per vendor, per currency. Every approval is logged to an immutable trail — exportable in one click, alterable in none.
Continuous audit
SOC 2 Type II and ISO 27001 audited annually, penetration-tested quarterly, monitored always. AES-256 at rest, TLS 1.3 in transit, and keys rotated on schedule — not on incident.
SOC 2 TYPE II
ISO 27001
PCI DSS L1
AES-256 / TLS 1.3
FIDO2 ENFORCED
Pricing
Pricing without small print.
Every plan gets the same rails, the same custody, the same 4.10% APY. You pay for control surface, not access.
Launch
$0/month
For companies opening their first serious account.
- Multi-currency operating account
- 20 outbound transfers per month
- 2 corporate cards
- 4.10% APY on the first $250,000
- Standard support
Growth
$29/month
For teams moving money across borders weekly.
- Everything in Launch
- Unlimited cards with policy controls
- 0.40% flat FX on every corridor
- 4.10% APY, uncapped
- Full API + webhooks
- Same-day support
Scale
$149/month
For multi-entity groups with a treasury function.
- Everything in Growth
- Dedicated treasury desk
- SSO, SCIM, custom roles
- Local account details in 28 currencies
- 99.99% uptime SLA
- Quarterly rate reviews
Customers
Finance teams notice.
We closed our books four days faster the first month. The approval trail alone paid for the switch.
Treasury went from a spreadsheet I feared to a screen I check with coffee. The yield is real and so is the audit trail.
Our auditors asked what changed. That has never happened in a good way before.
Questions
Asked, answered.
Is Vaultic a bank?
No — and that's deliberate. Vaultic is a financial technology platform. Client funds are held at regulated custodian institutions, segregated from our operating capital, so your balance never sits on our balance sheet.
How does the 4.10% APY work?
Idle balances sweep nightly into short-duration government money market instruments. Yield accrues daily, pays monthly, and liquidity is next business day. The rate is variable and published in-app before it changes.
What does FX actually cost?
0.40% over interbank mid-market, flat, on every corridor we serve. No volume tiers, no spread games, no “call us” pricing. The rate you see at quote is the rate that settles.
How long does onboarding take?
Most companies pass verification within one business day. Complex structures — holding companies, multi-entity groups, regulated industries — typically clear inside a week, with a named human on the file.
Can we control who moves money?
Granularly. Set thresholds per user, per vendor, per currency. Require dual sign-off above any amount. Every approval is logged to an immutable trail and exportable for audit in one click.
Open your account
Your money is working for someone. Make sure it's you.
Open the account in minutes. Move the treasury when you're ready.
You're on the list — your invite ships within one business day. REF VLT-2481
Typically approved within one business day. No card required to apply.