Technology
A modern stack for regulated finance.
Cloud-native. API-first. Built by engineers who have shipped at the largest financial institutions on earth.
POST /v2/payments
Authorization: Bearer ••••
{
"from": "BC-EUR-001",
"to": "GB29NWBK60161331926819",
"amount": 250000.00,
"currency": "EUR",
"rail": "SEPA_INSTANT",
"reference": "INV-2026-0142"
}
→ 201 Created
{
"id": "pmt_7Q3X…",
"status": "settled",
"settled_at": "2026-06-24T09:12:04.221Z",
"fee": { "amount": 0.18, "currency": "EUR" }
}Every account. Every action. One API.
From account opening to FX execution to real-time settlement — every Banking Circle capability is available through a single, versioned REST API with predictable, idempotent semantics.
API Platform
RESTful, JSON-first APIs with strong typing and idempotency keys.
Developer Portal
Living docs, SDKs in 6 languages and signed reference architectures.
Sandbox
Full-fidelity test environment with deterministic clocks and scenarios.
Webhooks
Signed, retried event streams for every payment, account and ledger change.
Security
mTLS, hardware-bound keys, OAuth 2.0 and SCIM provisioning.
Cloud Infrastructure
Multi-region, active-active, with sub-second failover and audited DR.
Real-time Payments
Direct membership across the world's leading instant rails.
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