Accessible, reliable digital dollar
accounts infrastructure

Move funds easily using the next generation technology stack for money. We custody balances and facilitate transfers for your global customer base without the complexity of traditional banking.

What are Digital Dollar Accounts?

Digital Dollar Accounts is a set of APIs and tools for creating and managing scalable accounts and sub-accounts infrastructure, allowing you to flexibly customize digital dollar storage to meet your unique business and products needs, improving business workflows, and managing digital ledgers for your users.

How do digital dollars work?

Digital dollars like USDC work like other digital content — they move at the speed of the internet, can be exchanged in the same way we share content, and are cheaper and more secure than existing payment systems. We use cloud infrastructure and blockchain networks to scale digital dollar storage and movement.

Customize funds flows

Fund accounts through batch operations in your Circle Account or accept payments through our Payments product. Our APIs let you route funds from any digital dollar account in different flows so that you don’t have to manually build and manage a ledger. Or connect our digital dollar accounts infrastructure to your own existing ledgers and accounting systems.
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One-to-many

Send funds from one account to multiple recipients on our platform.

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Many-to-many

Split funds between multiple users and multiple third-party vendors or providers.

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Holding dollars

Gives you escrow-like ability to wait a period of time before routing funds.

Infrastructure at scale

We’ve scaled to big heights

Millions of users and over 1,000 businesses have depended on the reliability of our infrastructure over the past 6 years. We’ve processed over $250 billion across 500 million transactions.

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 specializing in digital dollar stablecoin infrastructure.

Learn more
coming soon

Earn more on every account

Every account balance you create can be enrolled through APIs into high yield accounts* earning 8%** APY and potentially higher for longer maturities — allowing you to extend earning yield to your customers*** at scale.

Learn more about High Yield Accounts
coming soon

Visa-spendable digital dollar accounts

With our Visa partnership, Circle will provide businesses with Visa card credentials that are backed by USDC. Your users will be able to store and hold value in digital dollars, and spend their digital dollars at any Visa accepting point of sale.

Learn more about our Visa partnership
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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:

Get started in our sandbox

Build what’s next for payments, finance, and internet commerce.

Read our API documentation

Find guides and reference documentation to help you integrate with Circle APIs.

Test with our sample application

Test quickly common payout flows and easily explore payload and responsive data.

Banks &
Fintechs

Use cases for Digital Dollar Accounts
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Add USDC rails in your product

Provide your users with storage and payments flows using USDC on public blockchains without needing to stand-up your own infrastructure or manage the risk and complexity of crypto custody and blockchain management.

Learn more about Multichain USDC
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Automate corporate treasury

Easily create multiple sub accounts to optimize your business workflows for fast and transparent access by different stakeholders, divisions or product-lines.

Learn how to benefit from letting Circle manage the ledger for you

Ready to get started? Create a Circle Account or get in touch.

Transparent pricing for any

business model.
Get started with our quickstart 
guide on Digital Dollar Accounts.
*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 geography. Service offered through Circle International Bermuda Limited. It is anticipated that Circle International Bermuda Limited will enter into lending arrangements with one or more institutional borrowers, including Genesis Global Capital, LLC. You should conduct your own investigations and analyses in connection with any participation in this product 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. Additional information is available upon request.
**Rates are purely indicative and are subject to change pending availability, approval and market conditions. Withdrawal requests for open and fixed term accounts could take up 72 hours in high withdrawal periods.
***Customer-facing offering subject to regulatory requirements and business account approval. Please contact Circle to discuss eligibility.