Account Galaxy

One Unified Ledger.

Infinite Possibilities.

24/7, Highly scalable, Compliant, Real-time ledger.

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Account Galaxy Ledger Core diagram with Treasury, Reserve, and Customer Funds

A circular network diagram centered on a purple 'LEDGER CORE' node, surrounded by a ring of seven connected participant nodes showing current balances for specific merchants, customers, a reserve, and an escrow account.

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Account Galaxy

Core systems weren’t designed for virtual accounts, embedded finance, or tokenized deposits. Launching new account types depends on vendor timelines. Scaling introduces limits. Real-time balances and reconciliation remain out of reach.

Fintechs, corporates, and treasury teams expect infrastructure that moves in real time, not overnight batch cycles.

This is where Account Galaxy changes the equation.
Deliver a real-time, composable account and ledger platform built to support any use case without core dependency.

Core Capabilities

From account creation to real-time postings.

Product Designer

Create your own deposit or virtual account products, manage limits, interest calculation rules, and manage compliance in one user-friendly screen.

Virtual Account Creation

Instantly generate unlimited API-driven virtual accounts, with unique identifiers, mapped to a physical account for personal, business, and sub-ledger use cases.

Real-Time Ledger

A real-time, double-entry ledger with atomic integrity, sub-second balance updates and a fully auditable, immutable transaction history.

Multi-Currency Support

Hold and transact in 100+ currencies within a single ledger, with real-time FX rates, mark-to-market valuation, and automated conversions.

Automated Reconciliation

Automatically reconcile payments to virtual accounts, handling splits, partials, and multi-leg transactions, reducing manual effort by 90%.

Sub-Ledger Accounting

Create hierarchical sub-ledgers with parent-child accounts, aggregating balances across cost centers, departments, projects, and custom structures.

Balance Management

Calculate real-time available balances, including holds and reserves, with overdraft controls, limits, and webhook-based alerts.

Account Lifecycle Management

Programmatically manage the full account lifecycle, from onboarding and KYC/KYB to status controls, updates, and closure.

Real-Time Ledger. Infinite Scale. Zero Core Disruption.

Legacy Core Constraints

Account Galaxy runs a real-time ledger and virtual accounts alongside your core, supporting traditional and tokenized assets; whatever your use case, including as a 24/7 shadow ledger.

Automated Inbound Reconciliation

Turn reconciliation into a real-time process.

Automatically match incoming payments to the right accounts, update balances instantly, and trigger downstream actions, without manual intervention.

Outbound Payment Traceability

Full visibility into every payment you send.

Trace each transaction from virtual account debit to final execution, ensuring accuracy, control, and audit readiness.

Supported Account Types

Personal Virtual Accounts

Use Cases: Consumer banking, P2P payments, neo-banks
Features: Individual ownership, KYC requirements, transaction limits
Identifiers: Unique account number, routing number (US), IBAN (international)

Business Virtual Accounts

Use Cases: Commercial banking, B2B payments, vendor management
Features: Business ownership, KYB verification, higher transaction limits
Identifiers: EIN/Tax ID linked, custom reference fields

Sub-Ledger Accounts

Use Cases: Internal accounting, cost centers, project tracking
Features: Hierarchical relationships, roll-up reporting, budget controls
Identifiers: Internal account codes, department IDs

Escrow Accounts

Use Cases: Marketplace holds, real estate transactions, dispute resolution
Features: Restricted withdrawals, release conditions, multi-party authorization
Identifiers: Transaction-specific, time-limited

Multi-Currency Accounts

Use Cases: Cross-border businesses, FX trading, global treasury
Features: Hold 100+ currencies simultaneously, mark-to-market valuation
Identifiers: Currency-specific sub-accounts under master account

Token Galaxy Icon - Circular target or token icon.

Tokenized Deposit Accounts

Use Cases: Institutional settlement, programmable money, consortium networks
Features: Bank liability, multi-issuer support, regulatory clarity
Settlement: Permissioned networks, instant finality

Frequent Use Cases

A technical architecture diagram showing four customers accessing a master analytics dashboard via a purple 'API LAYER' bar, which sits above an 'Account Galaxy' hub connecting to four distinct virtual accounts.

Embedded Finance Products

Enable vertical SaaS platforms to offer banking services to their customers. Create virtual accounts for each end user, maintain separate balances, handle incoming and outgoing payments, and provide account-level reporting via your platform’s API.

A process flow diagram showing a Buyer making a $1,000 payment that passes through a central 'Account Galaxy' engine and automatically splits into allocations for Seller A, Seller B, a platform fee, and a processing fee.

Marketplace Payment Splitting

Hold funds in escrow, split payments to multiple sellers automatically, handle fees and commissions, and manage refunds efficiently. Track each participant’s balance while using a single physical account for settlement and reconciliation.

An organizational chart showing a central 'Global Treasury Dashboard' box with a consolidated balance of $10.5M, branching downward into five separate virtual account balances for Division A, Division B, and Subsidiaries 1 through 3.

Multi-Entity Treasury Management

Manage liquidity across subsidiaries, divisions, or legal entities using virtual accounts for each entity. Aggregate balances for group treasury reporting while maintaining separate accounting for each entity without multiplying physical accounts.

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Frequently Asked Questions

What's the difference between virtual accounts and core banking accounts?

Virtual accounts in Account Galaxy are logical accounts maintained in a real-time ledger system. They map to physical accounts in your core banking system but provide greater flexibility, faster performance, and unlimited scalability. Your core remains the system of record while Account Galaxy handles operational workloads.

Can virtual accounts receive direct deposits and ACH payments?

Yes. Each virtual account can have unique routing and account numbers, making them fully functional for receiving ACH payments, wires, and direct deposits. Incoming funds are automatically reconciled to the correct virtual account.

How does reconciliation work when multiple virtual accounts share one physical account?

Account Galaxy’s reconciliation engine uses reference data in incoming payments (memo fields, transaction IDs) to match deposits to specific virtual accounts. For payments without clear identifiers, rule-based matching and machine learning models ensure accurate allocation.

Can I create virtual accounts in real time as customers sign up?

Yes. Virtual account creation happens instantly via API call, typically completing in under 200 milliseconds. This enables real-time onboarding flows where customers receive account details immediately upon registration.