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Money API

ACH APIVirtual AccountsDigital Wallet APIFraud PreventionKYCKYBInstant
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A NEW FINANCIAL WORLD, BUILT BY YOU

The Money API for Fintech

TRY THE SILA API
TALK TO AN EXPERT




OUR FEATURES

Payments
Identity
Wallets
Accounts

Our core strength is innovating on top of ACH, the backbone of the U.S. payment
system. Harness its power. Benefit from Sila making everything else better.


ACH: INSTANT, SAME DAY & STANDARD

We’re modernizing ACH to accelerate innovative customer use cases with entirely
new ways to move money with code. Orchestrate transfers between wallets, virtual
accounts, and bank accounts with ease.


DIRECT DEPOSIT

Skip the bank deposit and direct funds directly from your customers payroll
provider. Take advantage of in-app direct deposit switching with the help of one
of our partners.

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Our best-in-class ID verification and anti-fraud solutions are your foundation
for launching a secure and successful platform.


INDIVIDUALS ONBOARDING & KYC (U.S. CITIZENS AND PERMANENT RESIDENTS)

Register, screen under sanctions, and verify the identities of U.S. individuals,
both citizens and non-citizen residents. 90% of users pass default KYC in 10
seconds or less.


BUSINESS ONBOARDING & KYB  PARTNERSHIPS & CORPORATIONS)

Register, screen under sanctions, and verify the identities of U.S.-formed
business associations or other entities and their principals using our
industry-leading KYB solution.

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Our flexible Wallet API links U.S. bank accounts to verified entities for
orchestrating basic or highly bespoke funds flows within your customer
ecosystem.


SILA LEDGER

Digital wallets are made possible by Sila’s proprietary ledger technology, which
maps to an account held for the benefit of your users. This allows us us to make
wallet-to-wallet transfers as flexible and fast as possible.


THE FUTURE OF PAYMENTS

We are excited to see what the future has in store for programmable money and
decentralized finance. Sila has additional proprietary, blockchain-based
financial programming tools under development or available in limited
circumstances, but much of what is to come will be subject to regulatory and
market factors.

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The Sila API and SDKs make it simple to store value and transfer money between
bank accounts, digital wallets and blockchain from inside your application,
while adhering to applicable U.S. regulations.


VIRTUAL ACCOUNTS

In many ways, Virtual Accounts operate much like our digital wallets
infrastructure, offering as much flexibility as possible for programmers but
with more versatile functionality and additional payment methods. Eligibility
may vary.

Web-Only Bank Accounts
Provide each of your users with a vAccount with a unique ABA account and routing
number that you can white-label and customize to fit your app’s particular use
case.

ACH Receiving
Enable your users’ vAccounts to receive ACH credits or debits by allowing them
to share their account credentials with third parties to push funds to (i.e.,
direct deposit) or draw funds from (i.e., external charge) their vAccounts. This
is in addition to the standard ACH debit and credit origination functionality
available with wallets.


BANK ACCOUNT LINKING

No more dealing with archaic banking interfaces, fat fingers, or stringing
together multiple banking APIs. Sila is an official Plaid Auth partner with
integrated support for Plaid Auth, Plaid Identity, and Plaid Balance.

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EXTEND YOUR APP FOR LIMITLESS FINNOVATION

CARD ISSUANCE

US & INTERNATIONAL BILL PAYMENT

BANK ACCOUNT LINKING

CRYPTOCURRENCY EXCHANGE

VIEW ALL


THE API TO KYC USERS, LINK BANK ACCOUNTS AND TRANSFER MONEY FAST

 * Simple to store and transfer money in your application
 * Transfer between bank accounts, crypto and digital wallets
 * Extend your app with dozens of pre-approved partners
 * 

TRY THE API



GET UP AND RUNNING IN LESS THAN 10 LINES OF CODE

 1. 1
    Sila.register(payload);
    // Name, Email, Address, Phone
 2. 2
    Sila.generateWallet(payload);
    // ETH, Ledger
 3. 3
    Sila.checkKYC(payload);
    // KYC, KYB
 4. 4
    Sila.linkAccount(payload);
    // Bank Account, Visa, Mastercard
 5. 5
    Sila.issueSila(payload);
    // ACH Debit, Instant ACH, Wires
 6. 6
    Sila.transferSila(payload);
    // P2P, B2B, B2B2C
 7. 7
    Sila.redeemSila(payload);
    // Sila Partners, My Fees, Payouts


STORE VALUE IN WALLETS, MOVE MONEY BETWEEN BANK ACCOUNTS AND PROCESS PAYMENTS

Sila offers a simple, secure, and scalable money transfer API to make money
programmable with built-in anti-fraud features.

TRY THE API


KYC & KYB API

Reduce your compliance costs and increase your speed to market with fast and
accurate identity verification.


DIGITAL WALLET API

Our digital wallets enable P2P, B2B, and B2B2C flow of funds within your
application.


BANK ACCOUNT LINKING API

With integrated support for Plaid Auth, Identity and Balance, your users can
link and add funds directly from their external bank account.


ACH TRANSFER API

Sila reduces the engineering and operational complexity of integrating with ACH
so you can focus on building a great product.



I DON'T SEE WHY WE WOULD EVER MOVE AWAY FROM SILA BECAUSE THERE'S A VALUE THERE
WITH THE TEAM THAT WE DON'T WANT TO LOSE OUT ON; THAT WE WOULDN'T GET FROM A
TRADITIONAL PAYMENT PROCESSOR.


SEQUOIR



WE COULD NOT BE WHAT WE ARE WITHOUT THE SILA ARCHITECTURE. IT WOULD NOT BE
POSSIBLE. THE ONLY WAY WOULD BE TO ACQUIRE A BANK, WHICH MIGHT BE IN THE FUTURE
BUT NOT REALISTIC FOR A STARTUP. SILA GAVE US PROBABLY THE ONLY FEASIBLE WAY TO
GET GOING.


SLOAN



MAKING EFFECTIVE ACH TRANSFERS IS KEY FOR OUR USERS WHO ARE BUILDING THEIR
CREDIT WITH ON-TIME PAYMENTS. DELAYS, ESPECIALLY IF YOU MISS CUT-OFF TIMES, CAN
HURT OUR USERS AND IN TURN IMPACT RETENTION. SILA’S INSTANT SETTLEMENT HAS THE
POTENTIAL TO DELIVER TIMELY ACCESS TO FUNDS, IMPROVE USER EXPERIENCE AND HELP
AVA’S BOTTOM LINE AT THE SAME TIME.


AVA







AN ORIGIN STORY CRAFTED BY OVER 100 YEARS OF COLLECTIVE EXPERIENCE IN BANKING,
FINTECH, COMPLIANCE AND SECURITIES

Sila's banking APIs replace the need for integrating with legacy financial
institutions saving you months of development time, and thousands in legal and
regulatory expenses.

Your browser does not support the HTML5 Video element.

Co-founder Shamir Karkal speaking in 2019 at the Money20/20 event

Co-founder Prof. Alexander Lipton giving a lecture at MIT’s Media Lab in 2019






WE ARE NOT YOUR VENDOR. WE ARE YOUR CO-PILOTS.

Listen to dozens of stories from Sila's customers as they go from idea to launch
with assistance from Sila's hands-on onboarding and customer experience teams.

PLAY


FULL-FEATURED API & SDKS.


FREE SANDBOX. UNLIMITED POSSIBILITIES.

TRY FOR FREE
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THE MONEY API FOR FINTECH
‍

TRY THE API FREE
TALK TO SALES


API PRODUCTS

ACH API
Bank Account API
Wallet API
KYC & SSN Verification API
KYB & EIN Verification API
Bank Account Balance API


BANKING API & SDKS

Sila API Docs
JavaScript Payments SDK
PHP Payments SDK
Python Payments SDK
.Net Payments SDK
C# Payments SDK
Java SDK


GET STARTED

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Developer Console
Watch the Sila Demo Video


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