The developer
infrastructure bank
The only nationally chartered bank built to enable developers and builders to create new financial products
curl https://api.column.com/transfers/wire \
-u :prod_1vWeqakwT2N7NYRtZkUPSBt4scn \
-d counterparty_id =cpty_1vWeqakwT2N7NYRtZkUPSBt4scn \
-d bank_account_id =bacc_1vWeqakwT2N7NYRtZkUPSBt4scn \
-d amount=40000 \
-d description ="Visa daily settlement"
Financial servicesas code
Before Column,
new financial companies had to work through expensive middleware providers that wrapped legacy sponsor banks. These relied upon outdated and limiting core systems.
Column
allows you to get to the bare metal. We are a bank made for developers and we have built our own core, ledger, and data model for the purpose of powering your unique use case, at any scale.
The power of a nationallychartered bank
Move and hold money
Leverage Column's direct connection to the Federal Reserve. Pull and push money to any bank account and create flexible FDIC insured accounts.
curl https://api.column.com/transfers/ach \
-u :prod_1vWeqakwT2N7NYRtZkUPSBt4scn \
-d counterparty_id =cpty_1vWeqakwT2N7NYRtZkUPSBt4scn \
-d bank_account_id =bacc_1vWeqakwT2N7NYRtZkUPSBt4scn \
-d amount=241 \
-d type =DEBIT \
-d currency_code =USD \
-d description ="Recurring bill"
Build a modern card program
Manage your own card program and optimize interchange revenue. Launch a debit or credit program with any issuer processor.
curl https://api.column.com/bank-accounts \
-u :prod_1vWeqakwT2N7NYRtZkUPSBt4scn \
-d entity_id =ent_1vWeqakwT2N7NYRtZkUPSBt4scn \
-d description ="NeoBankCo Visa Debit Settlement Account"
Lend money
Grow originations faster with bank funding from day one. Become an originating partner and expand your program nationally.
curl https://api.column.com/transfers/book \
-u :prod_1vWeqakwT2N7NYRtZkUPSBt4scn \
-d counterparty_id =cpty_1vWeqakwT2N7NYRtZkUPSBt4scn \
-d bank_account_id =bacc_1vWeqakwT2N7NYRtZkUPSBt4scn \
-d amount=2450000 \
-d description ="Warehouse drawdown" \
Created by engineers and founders
About our company- Close to the metal
- We connect directly to the Federal Reserve with dedicated hardware, built our own ledger and core, and don't use any middleware. We then expose this directly to you.
- Efficient compliance
- We are a team of experienced compliance experts focused on helping you ship product. We expose tools to give you transparency and visibility into our compliance program and are focused on moving fast and efficiently, no matter the complexity of your program.
- Dedicated partners
- We are the only bank that is dedicated to providing services to developers and builders, and nothing else. We do not operate competing programs nor are we distracted by other business lines.
Infrastructure products built for developers in the lightest format possible
Originate ACH credits and debits with a single API request. Utilize all five settlement windows, configure every NACHA option and control every step.
Learn more
Transfer funds immediately to any bank account through FedWire via API. Receive domestic and international wires with instant updates and all the raw data.
Learn more
When you own both accounts at Column, transfers are real-time every second of the day.
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Ledger each transaction automatically onto our system of record. Complete visibility and full banking functionality with the ease of an API.
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Spin up programmable and scalable FDIC insured bank accounts for your customers in one API call. All from our robust, easy to use developer platform.
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Build a customized card program that fits your stage. With a dedicated BIN and the choice of issuing processors, you maintain control.
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Take full control of the end to end check flows. From RDC to checkbooks to positive-pay, we allow you to build your optimal check flow and own the entire process.
Learn moreCredit products for companies to scale lending programs faster and cheaper
Grow your lending program more efficiently with Column capital, whether you are at scale or on your way.
Learn more
Your partner at any scale
- Not our first rodeo
- We previously founded and built companies like Plaid, Square and Affirm where we had to rely on archaic banks and middleware providers. We built the bank we wish we had.
- Our promise
- Column is funded and owned by our founders and employees. A clear ownership structure and a long term view enables us to be solely focused on building technology the right way and being an incredible partner.
As the backbone for the largest and most sophisticated fintechs and enterprises, we are built to scale with anyone who needs speed, control, and to be as close to the Federal Reserve as possible.
Start building today
Unmatched access to money movement, bank accounts, card networks, and bank capital. By working with us, you're in the driver's seat to build your own products, on your terms, without layers in between.
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DocumentationExplore and familiarize yourself with our APIs
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Getting started with the APIQuickly get up to speed
We know the ecosystem very well and Column provides the speed, flexible account model and API-first approach that no one else can. These aspects are essential to building certain products that power our customers' growth.