Multi currency wallets and IBAN accounts through one operating layer
BearlaPay provides the platform layer to run multi currency wallets, FX, collections and payouts through a single API and consistent lifecycle model. For external account details and rail access, BearlaPay connects to regulated partners that provide named IBANs and virtual IBANs (vIBANs) and access to local and international payment rails.
The objective is a consistent internal model for balances and movements, even when the underlying rails and partners differ.
Build wallet based financial products on a ledger foundation designed for operational scale.
Create and manage balances across supported currencies under one model, with predictable states and references.
Internal transfers with clear traceability and consistent eventing.
Operate inbound and outbound movements with consistent transaction states and reporting outputs.
Movements are recorded through an atomic, ledger-backed posting model designed for auditability and clean reporting.
Operate FX as part of the account layer, not as a bolt on.
Convert between currencies while keeping booking and reporting consistent across balances.
Support configurable spreads, including configurable FX markups where required by tenant or use case.
For account details and access to banking rails, BearlaPay orchestrates partner connectivity while keeping your internal model stable.
Issue account details suitable for collections and payer-level referencing, supporting cleaner inbound identification and reconciliation.
Access to rails via partners, including SEPA, SEPA Instant, Faster Payments (UK) and SWIFT.
Receive inbound transfers to named IBANs or vIBANs and map funds into wallet balances with consistent references and status handling.
Send single or bulk transfers using the same lifecycle model and reporting structure.
Support repeatable payout operations with consistent tracking and exception handling.
Account products succeed on controllability and operational clarity.
Apply transaction rules and spend limits consistently across collections, payouts and FX.
Monitoring aligned to wallet movements and money movement flows.
Operational visibility supported by eventing, references and audit logs.
Where required, link wallet balances to issuing workflows.
Support linkage between wallet accounts and issuing flows.
Support controlled funding patterns from the wallet layer.
See how wallets, FX, collections, payouts, vIBAN structures and rail connectivity map to your target corridors, with a consistent operating model as partners and rails expand
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