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Vault Banking

Vault Banking is the programmable embedded finance layer. Spin up sub-accounts, issue virtual / physical cards, schedule payouts, and reconcile every transaction back against Close — all gated by Conscience and audited end-to-end.

Note

Included in: Team, Enterprise. KYC + risk review apply before live banking; sandbox is available immediately.

What Vault Banking does

  • Treasury sub-accounts with programmable transfer rules.
  • Virtual + physical card issuance with per-card spend caps.
  • Scheduled payouts (ACH / SEPA / wire / Interac e-Transfer).
  • Auto-reconciliation against Close sub-ledgers.
  • Sandbox mode for safe wiring before production.

Read more

  • Close — reconciliation target.
  • Conscience — transfer policies + KYC gates.