Nothing readable at rest.Card data, credentials and payment identifiers are encrypted per record, each key wrapped under a rotating master key.CipherAES-256-GCM
Every financial capability.
One platform.
All of it runs on one account and settles to one ledger — whether the money is yours or your company's.
All 7 capabilities
Personal
Business
Put money in.Take it out when you need it.
Add money by bank transfer or card, hold it across currencies, and move it back out on the rails your bank already uses. Every movement lands as a ledger entry you can export.
- Deposit by bank transfer or card
- Withdraw to your bank, or take cash at an ATM
- Every fee on screen before you confirm
Security controls.
On every transaction.
Money software is invisible when it works and catastrophic when it does not. Every wallet, card and transfer is designed around the kinds of controls regulated institutions use — built for regulation and monitored in-app, though not yet independently audited.
SHA-256AUDIT LOG
AES-256ENCRYPTION
35RISK SIGNAL TYPES
4IDENTITY PROVIDERS
ENCRYPTIONAES-256IDENTITYKYC CHECKSSANCTIONSSCREENEDAUDIT TRAILHASH-CHAINEDFRAUD DETECTIONMONITOREDBINKLEDGER
Five controls, and a transaction clears all five before the ledger commits it. None of them is optional, and none of them runs after the money has moved.
Built for regulation.BINK is not yet licensed or certified and has not been externally audited. Regulated services will be provided through licensed partners.StatusPreparing for UK e-money registration
Designed so every counterparty is verified.Documents, liveness and face match are designed to run through identity providers before an account can move money.ProvidersSumsub · Onfido · Veriff · Persona
A history that cannot be quietly edited.Each entry commits the hash of the one before it, so any change to the past breaks the chain from that point forward.ChainSHA-256 · append-only
Scored before it settles, not after.Device, velocity, geography and AML patterns resolve to a single risk score on every money movement.Signals35 signal types
Compliance frameworkBuilt for regulation. Monitored in-app. Not yet licensed or certified.KYCAMLSANCTIONS SCREENINGFRAUD MONITORINGSecurity overview
One global platform.
Built for scale.
Compliance, partnerships and customer operations across the GCC, Europe and MENA — staffed locally, supervised centrally. Replies inside working hours, every working hour.
KYC · AMLSCREENING3REGIONS6CURRENCIES
LONDONGMTCAIROEETRIYADHPLANNEDDUBAIGSTOFFICESDUBAITreasury & GCC operationsGSTUTC+4LONDONPartnershipsGMTUTC+0CAIROCustomer operationsEETUTC+2RIYADHPlannedASTUTC+3
OFFICEDubaiUNITED ARAB EMIRATESGCC HEADQUARTERSTreasury & GCC operationsFUNCTIONTreasuryGCC TREASURYCOMPLIANCEFX ROUTINGOPERATIONSSun–Thu · 09:00–18:00 GSTGST · UTC+4
OFFICELondonUNITED KINGDOMEUROPEAN OPERATIONSInternational partnershipsFUNCTIONPartnershipsEU COMPLIANCEFX ENGINEREPORTINGTRADING HRS71–75 Shelton Street · Covent Garden · WC2H 9JQMon–Fri · 09:00–18:00 GMTGMT · UTC+0
OFFICECairoARAB REPUBLIC OF EGYPTENGINEERING & COMPLIANCECustomer operations & complianceFUNCTIONOperationsMENA OPSKYC CHECKSLOCAL RAILSCUSTOMER OPSSmart Village · B127Sun–Thu · 09:00–18:00 EETEET · UTC+2
PLANNEDRiyadhKINGDOM OF SAUDI ARABIASTRATEGIC EXPANSIONExpansion & strategic growthSTATUSPlannedPLANNEDPLANNINGINFRAHIRINGLAUNCHSAR TREASURYLOCAL RAILSONBOARDINGPlannedAST · UTC+3
Enterprise-grade infrastructureBuilt for regulation. Designed to meet safeguarding rules.BUILT FOR REGULATIONNOT YET LICENSEDAbout our infrastructure
Build on financial infrastructure.
REST APIs over HTTPS, signed webhooks and idempotency on every mutation. Sandbox keys in thirty seconds, production keys after a single KYB review — the same primitives we run ourselves.
- Base URL
- https://api.bink.com/v1
- Auth
- Bearer · scoped keys
- Mutations
- Idempotency-Key required
- SDKs
- TypeScript · Python · Go
RESTHTTPSTRANSPORT
BearerscopedAPI KEYS
Requiredper callIDEMPOTENCY
HMACSHA-256WEBHOOK SIGNING
ThreeTS · PY · GOSDKS
Freeno cardSANDBOX
01// Send $250 from a USD wallet to a counterparty02const transfer = await binkpay.transfers.create({03 currency: "USD",04 amountMinor: 25000, // $250.0005 destination: "acct_8s4k…",06}, { idempotencyKey }); 08// → { id: "trf_1c9a…", status: "SETTLED", ms: 412 }EXECUTION LOG412ms · trf_1c9a…
00:00.041Transfer created · idempotency key locked00:00.087KYC verified · AML and sanctions cleared00:00.183FX conversion executed · USD → counterparty00:00.296Treasury synced · double-entry posted00:00.412Settlement completed · webhook delivered · 200
IDEMPOTENTSIGNEDAUDITEDv2024.11 · prod
SandboxProduction keysIdempotencyVersioned APIsWebhook engineSDK coverage
Scale the team.
Shrink the paperwork.
You had a bureaucracy. Now you have a business again.
When a member is assignedFIFINANCE
Grantpayments.readpayouts.createsettlements.read
Revokeapikeys.manage
Card limit$5,000.00/ month
7 built-in roles · 33 scopes · custom rolesNO CODE
Set user access on autopilot.
Provision cards, permissions and limits automatically based on role, location, department and custom fields.
Enterprise solutions
LONDONOFFICE£48,000
CAIROOPERATIONSE£2,400,000
RIYADHSALESSR 180,000
DUBAITREASURYAED 220,000Designed for 6 currenciesILLUSTRATIVE
One platform for all your global spend.
Cards and employee reimbursements in local currency, across the six currencies BINK is built to hold.
Global spend managementEverything your finance team needs to know.
How settlement, treasury, compliance and security actually work on the rail — answered by the team that runs it.
Still need an answer? Our team will get back to you.Talk to the team
Multi-railregional rails via licensed partners
Settlements are designed to route through regional rails — InstaPay and local GCC rails, SEPA in Europe, SWIFT internationally — and reconcile to a single ledger. Settlement time depends on the rail and corridor, and every entry is timestamped and audit-ready.
Multi-rail routingAutomatic corridor selection per transactionRail-dependent timingSettlement time depends on the rail and corridorImmutable audit trailEvery entry written once, never edited
Updated 14 Jul 2026Continuousno end-of-day batch
Conversions, payouts and fees arrive already matched against your ledger. Balances update as money moves, so month-end is a review rather than a rebuild.
Continuous matchingNo end-of-day batch to wait forMulti-entity balancesConsolidated or per entityExportable statementsCSV, ISO 20022 and API
Updated 02 Aug 20266held currencies
Hold and settle in EGP, USD, EUR, GBP, AED and SAR, with conversion between them at a published spread. Regulated services, including local payout rails, will be provided through licensed partners.
Six held currenciesBalances you can settle from directlyPublished spreadsNo markup buried in the rate
Updated 28 Jun 2026Pre-flightsanctions screening before funds move
KYC and KYB are designed to run against national registries, and counterparties are designed to be screened against sanctions lists before funds move. Reviews are logged with the decision, the rule that triggered it and the reviewer.
Screening before movementNot a post-hoc reportRegulator-ready logsQueryable by entity or period
Updated 09 Jul 2026Plannedsafeguarding at licensed partners
BINK is not yet licensed and no partner rails are live yet. When live, customer funds will be held in segregated accounts at licensed partners, separate from company funds. The platform is designed to meet safeguarding rules.
Segregated accountsPlanned, separate from company fundsDaily reconciliationPlanned once funds are held
Updated 21 Jul 2026Plannedpublic status page and incident history
A public status page with service health and incident history is planned. Enterprise agreements can carry a contractual SLA with named escalation.
Status pagePlannedContractual SLAOn enterprise agreements
Updated 04 Aug 2026Get started todayReady to scale
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Open a free account in five minutes — or talk to our enterprise team about treasury, multi-entity payouts and embedded issuing. The same rail that powers global money movement.