Our core strength is innovating on top of ACH, the backbone of the U.S. payment system. Harness its power. Benefit from Sila making everything else better.
We’re modernizing ACH to accelerate innovative customer use cases with entirely new ways to move money with code. Orchestrate transfers between wallets, virtual accounts, and bank accounts with ease.
Skip the bank deposit and direct funds directly from your customers payroll provider. Take advantage of in-app direct deposit switching with the help of one of our partners.
Our best-in-class ID verification and anti-fraud solutions are your foundation for launching a secure and successful platform.
Register, screen under sanctions, and verify the identities of U.S. individuals, both citizens and non-citizen residents. 90% of users pass default KYC in 10 seconds or less.
Register, screen under sanctions, and verify the identities of U.S.-formed business associations or other entities and their principals using our industry-leading KYB solution.
Our flexible Wallet API links U.S. bank accounts to verified entities for orchestrating basic or highly bespoke funds flows within your customer ecosystem.
Digital wallets are made possible by Sila’s proprietary ledger technology, which maps to an account held for the benefit of your users. This allows us us to make wallet-to-wallet transfers as flexible and fast as possible.
We are excited to see what the future has in store for programmable money and decentralized finance. Sila has additional proprietary, blockchain-based financial programming tools under development or available in limited circumstances, but much of what is to come will be subject to regulatory and market factors.
The Sila API and SDKs make it simple to store value and transfer money between bank accounts, digital wallets and blockchain from inside your application, while adhering to applicable U.S. regulations.
In many ways, Virtual Accounts operate much like our digital wallets infrastructure, offering as much flexibility as possible for programmers but with more versatile functionality and additional payment methods. Eligibility may vary.
Web-Only Bank Accounts
Provide each of your users with a vAccount with a unique ABA account and routing number that you can white-label and customize to fit your app’s particular use case.
Enable your users’ vAccounts to receive ACH credits or debits by allowing them to share their account credentials with third parties to push funds to (i.e., direct deposit) or draw funds from (i.e., external charge) their vAccounts. This is in addition to the standard ACH debit and credit origination functionality available with wallets.
No more dealing with archaic banking interfaces, fat fingers, or stringing together multiple banking APIs. Sila is an official Plaid Auth partner with integrated support for Plaid Auth, Plaid Identity, and Plaid Balance.
Sila offers a simple, secure, and scalable money transfer API to make money programmable with built-in anti-fraud features.
Reduce your compliance costs and increase your speed to market with fast and accurate identity verification.
Our digital wallets enable P2P, B2B, and B2B2C flow of funds within your application.
With integrated support for Plaid Auth, Identity and Balance, your users can link and add funds directly from their external bank account.
Sila reduces the engineering and operational complexity of integrating with ACH so you can focus on building a great product.
Sila's banking APIs replace the need for integrating with legacy financial institutions saving you months of development time, and thousands in legal and regulatory expenses.
Co-founder Shamir Karkal speaking in 2019 at the Money20/20 event
Co-founder Prof. Alexander Lipton giving a lecture at MIT’s Media Lab in 2019
Listen to dozens of stories from Sila's customers as they go from idea to launch with assistance from Sila's hands-on onboarding and customer experience teams.