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Accounts

Accessible, reliable accounts infrastructure for businesses

Custody balances, facilitate transfers, transact globally. Build on blockchain
without the complexity with our flexible Accounts API.
Fully Customizable

Own your user experience

Maintain your brand while we work behind the scenes. Adding wallet-like functionality to your product allows your verified users to access their digital dollars.

Reporting

In-depth reporting tools

Stay on top of each account’s activity with notifications, reporting and transaction history.

Security & Compliance

Enterprise-ready custody & security

Built for regulated financial institutions, Circle is a leader in providing secure custody of digital currency. We specialize in digital dollar stablecoin infrastructure.

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Accounts built your way

With Accounts, you can create and manage scalable infrastructure to support a variety of funds flows for your business. – avoiding manually building and managing a ledger, while owning your user experience. Or connect our infrastructure to your own systems for maximum flexibility. We make it easy to build on blockchain.

Crypto top up

An end user funds their account within customers application with USDC, BTC or ETH from an external wallet. Example: NFT marketplace enabling crypto native end users to fund their accounts with BTC.
External crypto wallet Account

Fiat top up

An end user funds their account with USDC from a traditional payment method like a card or bank account. Example: NBA Topshop end user funding their Dapper wallet with a credit card.
Card or bank account Account

Account to Account Transfers

Transfer funds between two end user account of like kind – off chain, no fees. Example: One friend pays another in USDC on a peer to peer payment network built on crypto rails.
Account Account

Custom Funds Flows

Transfer funds from one account to many accounts, or vice versa. Example: Marketplace built on crypto allocates a portion of buyers payment to the seller, and a portion to their corporate account as a fee.
Account Account Account Account

Sub-Account Structures

Use accounts as an extension of your Circle Account to automate flows, organize across different functions and create controls. Example: A corporate treasury department automates funds flows between many sub-accounts for different business units.
Circle Account Account Account Account
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Developer-first tools

Integrating with Circle is not another legacy payment integration to your codebase, it’s re-imagined payments processing with the developer first in mind. Focus on building customer and product experiences with our production ready tools:

Talk to our team

Complete the form to get in touch with a member of our team to learn how your business can leverage the power of digital assets with a stable, secure bridge between traditional payment rails and the evolving blockchain ecosystem.

Learn more

treasury management solutions
Industry Spotlights
How Corporate Treasury Departments Can Use Stablecoins
partner-ftx
Circle Blog
FTX and Blockfolio now offer comprehensive account funding solutions via cards, wires, and ACH, powered by infrastructure from Circle.
USDC-globe
Circle Blog
Digital Dollar Remittance: International Money Transfers With USDC

Pricing

Transparent pricing for any business model.

API documentation

Get started with our quickstart guide to Accounts

*We maintain a money transmission license (or the statutory equivalent) in various U.S. states and territories, as well as a virtual currency license in the State of New York, and are therefore subject to the requirements of such statutes. We are not a trust company nor do we maintain a trust company charter in any U.S. state or territory. Accordingly, any regulated services we provide to users located in the United States are characterized as money transmission and/or virtual currency business activity, and not as trust services. Additionally, for the avoidance of doubt, Circle is not a fiduciary, and Circle does not provide any trust or fiduciary services to any user in the course of such user visiting, accessing, or using the Circle website or services. Any reference to custody services in this [User Agreement] refers only to our custody of digital assets on a user’s behalf pursuant to the authority granted under our money transmission and/or virtual currency licenses. Circle is not (i) a Qualified Custodian pursuant to 17 C.F.R. § 275.206(4)-2 or (ii) a “digital custodian” as such term is defined by the Nevada Financial Institutions Division.

* Offering subject to business approval, geographical availability**, and regulatory authorization, and there is no guarantee that the product will become available in a specific timeframe or to a specific customer or geography. Circle Yield product offered through Circle International Bermuda Limited (“Circle Bermuda”). Circle Bermuda has entered into lending arrangements with one or more institutional borrowers.  These borrowers pledge and transfer Bitcoin into custody with a third party custodian as collateral for their USDC borrowings and Circle Yield investors benefit from a security interest in Circle Bermuda’s security interest in the pledged Bitcoin.

Circle Account and money transmission services are provided by Circle Internet Financial, LLC. Circle Internet Financial, LLC, NMLS # 1201441, is a licensed provider of money transmission services. Circle Bermuda is licensed by the Bermuda Monetary Authority and holds a Bermuda Digital Asset Business (DAB) License, No. 54786. A full list of Circle’s licenses can be found at https://www.circle.com/en/legal/licenses

Circle is not a bank; your Circle Account is not a bank account, and any funds are not insured or protected by government compensation and/or regulatory protection schemes by the Federal Deposit Insurance Corporation, the Securities Investor Protection Corporation or by any US or foreign government agency, insurance fund, person or entity. For investors in the United States, investments described in this communication are offered by Circle Bermuda to “accredited investors” only in accordance with Regulation D, Rule 506(c) of the Securities Act of 1933, as amended. Neither the SEC nor any other regulatory body has approved or disapproved Circle Yield. While Circle Bermuda is regulated by the Bermuda Monetary Authority for digital asset business, Circle Bermuda is not engaged in banking and deposit taking activities and is not regulated for these purposes. You should carefully conduct your own investigations and analyses in connection with any participation in this product, including its objectives, risk factors, fees and expenses and the information set forth in these materials. All prospective participants in the products described herein are advised to consult with their legal, accounting and tax advisers regarding any potential participation. Tax may be payable on any return on and/or any increase in the value of your investment and you should seek independent advice on your taxation position. Please read the offering documents carefully before you invest. Additional information is available upon request. 

** Not currently available in the following U.S. states: Alaska, Minnesota, New York and Hawaii.

*** Rates are purely indicative and are subject to change pending availability, approval and market conditions. Withdrawal requests for fixed- term accounts could take up 72 hours in high withdrawal periods and will be subject to an early withdrawal penalty.

**** Customer-facing offering subject to regulatory requirements and business account approval. Please contact Circle to discuss eligibility.