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ARCHITECTURE OVERVIEW

One API.
Infinite products.

We abstracted the complexity of global banking down to a single RESTful interface. Build credit programs, marketplaces, and global payroll systems in weeks, not years.

Core Ledger Layer
API & Webhooks
POST /v1/transfers
{ "amount": 50000 }
Acme Corp
AVAILABLE BALANCE
$84,200.00

Modular.
Extensible.
Powerful.

Choose the exact primitives you need. Our platform modules are designed to work perfectly together, or function as standalone infrastructure to upgrade your existing stack.

Accounts & Ledgers
Card Issuing
Fraud Engine

Accounts & Ledgers

Create programmatic bank accounts for your users in milliseconds. Track balances, construct complex multi-party funds flows, and generate immutable reconciliation reports automatically.

POST /v1/accounts
currency: "USD"
type: "checking"
routing_number: "AUTO_GENERATE"

Global Card Issuing

Design a custom card program. Issue physical or virtual cards instantly. Control spending programmatically with our Authorization API before a transaction clears the network.

Uber Eats
AUTH_REQ_9X2
$24.50
APPROVED

Velocity Shield™

Our proprietary machine learning model scores every transaction in 5 milliseconds. Catch synthetic identity fraud, ATOs, and payment anomalies before they cost you money.

99.2%
Fraud Detection
<0.1%
False Positives

The Infrastructure

Connected to
global rails.

Velocity routes your transactions through the most efficient local banking networks worldwide, bypassing expensive SWIFT fees and delays.

ACH & Wire
North America
SEPA & BACS
Europe
FPS & CHAPS
United Kingdom
Pix & PayID
LATAM & APAC

Event-Driven Architecture

React to changes in real-time.

Don't poll for updates. Our robust webhook infrastructure pushes state changes to your servers instantly, ensuring your local database is always in sync with the financial network.

  • Automatic Retries (Exponential Backoff)
  • Cryptographic Signatures for Security
  • Millisecond Latency Delivery
POST https://api.yourdomain.com/webhooks
Content-Type: application/json
Velocity-Signature: t=167890,v1=a8f9c...

{
  "type": "payment.succeeded",
  "data": {
    "id": "pi_9x2Lp",
    "amount": 25000
  }
}

Fort Knox, but an API.

Security isn't a feature; it's our foundation. We employ bank-grade encryption and maintain the highest industry compliance standards.

PCI DSS Level 1

Certified as a Level 1 Service Provider. We handle the heavy lifting of card data tokenization.

SOC 2 Type II

Independently audited for security, availability, and confidentiality principles continuously.

AES-256 Encryption

All sensitive data is encrypted at rest using AES-256 and transmitted via TLS 1.3.

Developer Ecosystem

Write less code.
Ship faster.

Native SDKs for every major backend language, complete with built-in typing, automatic retries, and comprehensive error handling.

View all libraries
Node.js
TypeScript Native
Python
PyPI Package
Go
Go Modules
PHP
Composer
0
API Uptime
0
Avg Latency
0
Requests / Sec
0
Countries

Client Stories

Trusted by innovative teams.

S

Sarah Jenkins

CTO, NexaPay

"Velocity's API completely transformed our infrastructure. We replaced three different payment providers with a single integration and cut our latency by 40%. The developer experience is truly top-tier."

D

David Chen

Lead Dev, Orbital

"The developer experience is unmatched. The SDKs are perfectly typed, webhooks never miss a beat, and the documentation is genuinely enjoyable to read. We integrated within a week."

M

Marcus Thorne

Founder, GlobalCart

"Scaling globally used to mean months of legal and technical compliance work. With Velocity, we launched in Europe and Asia in a matter of days. It handles all the heavy lifting."

E

Elena Rostova

COO, FinFlow

"Their fraud prevention system is incredibly robust. Our chargeback rates dropped by 85% in the first quarter of switching to Velocity. The support team is also fantastic."

Support & FAQ

Got Questions?

How fast is the integration process?

Most modern teams can get up and running with our sandbox in under 15 minutes. Moving to production typically takes 2-3 business days as we perform mandatory compliance and KYC checks on your business profile.

Do you support recurring billing?

Yes, we have a robust subscription API. You can handle complex logic like prorations, free trials, usage-based billing, and automatic dunning management without writing custom infrastructure.

What currencies are supported?

We currently support processing in over 130 fiat currencies and settlement in 50+. We also support native settlement in major cryptocurrencies (USDC, BTC, ETH) for enterprise clients.

Are my funds safe?

Absolutely. Velocity is a licensed money transmitter. All client funds are safeguarded in Tier-1 banking institutions globally, completely isolated from our operational capital. We are also PCI DSS Level 1 certified.