Cross-border banking infrastructure

IBANs for Domiciliary Accounts

Enable your customers to receive foreign currency like locals—while your bank retains the FX deposit base.

Simple integration

Three steps to transform cross-border banking

Our API-first platform makes it easy to offer local banking services globally without the complexity.

1

Integrate

A single API integration allows you to issue local IBANs to your customers in multiple jurisdictions.

Average integration time: 2-4 weeks
2

Issue

Issue fully compliant local account numbers to your customers in the UK, EU, US and Canada.

Supported: IBAN, SWIFT, ACH, Wire, SEPA
3

Settle

Funds are routed to your correspondent bank through our secure, compliant settlement network.

Settlement time: Same day to T+1
Why banks choose cradle

Take back control of your global transactions

Financial institutions worldwide are losing cross-border market share to fintechs. Cradle provides the infrastructure to compete and win.

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Retain FX revenue

Keep the foreign exchange spread that would otherwise go to third-party providers, improving your bottom line.

Enhance customer experience

Offer a seamless, integrated experience instead of forcing customers to use external services.

Regulatory compliance

Our platform handles all regulatory requirements across jurisdictions, reducing your compliance burden.

Rapid deployment

Launch in weeks, not years. No need for extensive correspondent banking relationships.

Global Coverage

Supported Banking Regions

Issue local banking details for your customers in these regions, with more being added regularly.

UK
GBP, IBAN
EU
EUR, SEPA
US
USD, ACH, Wire
Canada
CAD, EFT
Get started

Ready to transform your cross-border capabilities?

Contact our team for a demo and to discuss how cradle.money can help your bank compete in the global payments landscape.

Schedule a demo