Build with HopNow
One API to receive, hold, convert and send money across borders: virtual accounts with real bank details, FX, and payouts to almost anywhere.
Two building blocks
Every account holds a trading account and can add virtual accounts; the two are independent. Take either on its own, or both. Every call is signed with your API key, so start at Authentication.
Trading account
Every account has one, with your default currencies enabled the moment it is approved. Fund it by bank transfer or crypto deposit, hold several currencies at once, convert between them, and withdraw to your own bank accounts.
- Deposit instructions and wallet addresses
- Quotes and execution
- Withdrawals to your own bank accounts
Virtual accounts
Optional. Give an account its own bank details at a partner bank, so third parties can pay it directly and you can pay them from it.
- Onboarding driven by requirements
- Payins and webhooks
- Payouts funded from the account
Neither one needs the other. Run both and a transfer moves value between them in the same currency, so money a third party sends to a virtual account can be converted in the trading account. A payout leaves from a virtual account; a withdrawal leaves from the trading account.
