Banking that works for builders
Automate finance and build faster.
Build accounts, cards, and payments directly on us, an FDIC-insured bank.
Automate finance
Payment Rails
ACH, RTP, wires, and bill pay through one API. Real-time status on every payment.
Card Issuance & Controls
Issue virtual and physical cards with spend limits and real-time management. MCC (Merchant Category Code) controls restrict where cards can spend by merchant type. Built for both human cardholders and agentic spend.
Standing Instructions
Programmable rules for recurring and conditional fund flows. Set a trigger, set controls, set an action, let it run.
Scheduled Payments
Schedule recurring payments, sweeps, and automated fund movements.
Ledger & Accounting
Transaction reconciliation, reporting, and real-time balance tracking across accounts.
Build faster
Model Context Protocol (MCP)
Embed a CBW account into your AI agent or assistant via Model Context Protocol (MCP), an open standard that lets LLM-based agents call our banking tools directly. Live bank-to-agent integration.
Sandbox Environment
Sandbox with sample customers, accounts, and transactions. Build and validate before you go live.
API Documentation
REST and JSON-RPC docs with interactive examples on every endpoint.
JSON RPC 2.0 APIs
JSON-RPC 2.0 for transactional services. REST for everything else.
SDKs & Libraries
Pre-built SDKs for popular languages with code samples and quick-start guides.
Safety
Know Your Customer (KYC)
Identity verification, document checks, and out-of-wallet questions on every consumer.
Know Your Business (KYB)
Beneficial-ownership and entity verification on every business customer.
Security Standards
Digital signatures and EC key-pair authentication on every API call.
Fraud Prevention
Real-time monitoring, transaction controls, and MCC/country group restrictions.
AML & Sanctions
Anti-money laundering checks, OFAC screening, and ongoing sanctions monitoring.
Developer-first APIs
Clean, RESTful APIs with comprehensive documentation and developer libraries
// Initialize CBW Bank API
import { CBWClient } from '@cbwbank/sdk';
const client = new CBWClient({
apiKey: process.env.CBW_API_KEY,
environment: 'production'
});
// Create a new account
const account = await client.accounts.create({
type: 'checking',
customer_id: 'cust_123',
initial_deposit: 1000
});
// Initiate an ACH transfer
const transfer = await client.transfers.create({
from_account: account.id,
to_routing: '000000000',
to_account: '1234567890',
amount: 50000, // $500.00
type: 'ach',
description: 'Invoice payment'
});
console.log('Transfer initiated:', transfer.id);Available endpoints
/v1/accounts/v1/accounts/:id/v1/transfers/v1/transactions/v1/cards/v1/kyc/verifyPartner with us
Become a CBW partner. Receive dedicated support, custom pricing, and early access to new features.
- Dedicated technical support
- Custom integration assistance
- Volume-based pricing
- Early access to new APIs