Recently, the digital bank FV Bank, which holds a U.S. license, has made the announcement that it is now offering Global Managed Accounts (GMA), an embedded banking platform that was developed to help fintech and payment companies find a regulated ground to co-brand and market their financial products. This platform has combined the traditional banking, custody of digital assets and compliance infrastructure. As a result, financial technology firms can now have business and individual accounts issued under their own brand interfaces.
The product caters to the fundamental challenges in financial technology at large. Yes, companies that provide cross-border payments, overseas money transfers and stablecoin transfers usually have to depend on scattered systems of intermediary banks, payment processors from third-party vendors and separate compliance companies.
Streamlining Embedded Compliance and Cross-Border Operations
Historically, nested banking relationships have introduced operational friction for fintechs, leading to redundant Know Your Customer (KYC) processes, restricted data transparency, and delayed payment settlements.
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GMA replaces these multi-vendor architectures by establishing direct FV Bank accounts for eligible business and individual end-users. Operating via FV Bank’s API infrastructure, partner platforms maintain complete ownership of their front-end user interfaces and customer journeys while FV Bank handles back-office compliance, regulatory reporting, and account administration behind the scenes.
Core platform capabilities include:
Comprehensive Payment Rails: Supports U.S. dollar domestic and international wire transfers, ACH processing, and cross-border transactions across more than 40 currencies.
Integrated Stablecoin Settlement: Enables 24/7 money movement using major stablecoins, including USDC and USDT, over supported blockchain networks.
Turnkey Regulatory Governance: End-to-end management of KYC, Know Your Business (KYB), Know Your Transaction (KYT), transaction monitoring, and ongoing account audits by FV Bank.
Travel Rule Compliance: Native data-sharing and payment-traceability protocols designed to meet global regulatory requirements for digital asset transfers.
Partner Portal & Developer APIs: A dedicated administration dashboard alongside developer documentation for direct API integration into existing software platforms.
“It can take years for a fintech company to navigate the banking, payments and compliance infrastructure needed to bring a financial product to market,” said Miles Paschini, CEO of FV Bank. “Global Managed Accounts gives our partners a faster way to launch, reach more customers and expand what they offer in domestic and international markets, while FV Bank provides the regulated accounts, payments and compliance infrastructure behind the scenes.”
“Fintechs shouldn’t have to choose between a seamless customer experience and a clear, bank-managed compliance foundation,” said Nitin Agarwal, chief revenue officer of FV Bank. “We’re already onboarding fintechs to GMA, bringing accounts, domestic and international payments, and compliance infrastructure together on one platform. It gives our partners a more complete product while reducing the complexity of managing multiple banking and payment relationships.”
