Manage Funds With Routable or Virtual Accounts

ACH

Leverage same-day and standard ACH with the latest cut-off times in the industry (up to 11:59PM ET) and access all six ACH windows. Programmatically originate and manage ACH transfers through our APIs and customize the structure of your account hierarchy.

Virtual & Routable Accounts

Create and manage wallets and routable accounts that support your unique funds flow in our platform. Send and receive payments, manage cash flow, and reconcile transactions—all from a single, centralized platform.

Account Opening & Onboarding

Programmatically open accounts for your users with built-in compliance. Have your users complete the entire onboarding process online, from submitting personal information to verifying identity documents.

Why do companies choose Lithic for Banking?

Move Money Securely

Verify external account ownership via Plaid, micro-deposits, and ACH prenotes. Rely on a proven platform with over $10B in ACH processed.

Virtual or Routable Accounts

Routable accounts provide full routing and account numbers to support external ACH money movement, while virtual accounts are funded by internal transfer from your program account. Choose what’s best for your use case.

A True System of Record

Leverage Lithic's native banking core as the system of record for balances and transactions, streamlining reconciliation and compliance. Surface data instantly through Lithic’s API or dashboard.

Read Our Expert Guides

Fintech Guide to Bank Identification Numbers (BINs) \ When you’re building a card program, one of the first major sets of decisions you’ll make is around Bank Identification Number (BIN) sponsorship.](/content/blog/bank-identification-numbers/index.html)

Fintech Guide to Bank Partners and Sponsors \ Bank partnerships are a critical part of most US fintech offerings. In this guide, we'll help you navigate the process of selecting a sponsor bank partner for your fintech.](/content/blog/bank-partners/index.html)

What is Interchange? How Fintechs Earn Interchange Revenue from Credit and Debit Cards \ Interchange is a major revenue driver for many fintechs. Companies that offer card products are growing revenue rapidly and securing massive valuations, such as Brex ($12.3B valuation) and Ramp ($8.1B valuation). Much of that revenue growth is due to interchange.](/content/blog/interchange/index.html)

Want a payments platform that helps you as you grow?

Build on a strong foundation for all money movement

Direct Federal Reserve connectivity and flexible ledgering infrastructure enable fast, reliable, and transparent account funding, settlement, and reconciliation.

Always precise for your peace of mind

Manage accounts and settlement on a single platform that keeps balances consistent and reporting clean.

Get full visibility for cash flow management

Stop chasing mismatched reports. Lithic’s enterprise-grade, battle-tested ledger keeps every balance and transaction perfectly synchronized, so you can focus on driving data-based program projects.

Auto-reconcile audit requests

No need to scramble for audit checks. With Lithic’s immutable ledgering tech, your team spends less time resolving discrepancies for financial and compliance checks.

Control how your money moves

Set the rules your way. Lithic offers configurable tools to manage money movement across different payment rails—complete with built-in compliance and customizable controls.

Everything you need to build what you want

Direct-to-Fed connection for immediate, reliable processing

As one of few institutions with direct connectivity to the Federal Reserve, Lithic moves billions of dollars annually, delivering speed, reliability, and down-to-the-penny reconciliation.

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Direct-to-Fed connection for immediate, reliable processing

**Access Direct-to-Fed processing.**Move money faster and with fewer errors thanks to Lithic’s FedLine Direct connection, which eliminates intermediaries and reduces handoffs, troubleshooting, and risk.

**Enjoy faster transactions.**Access all six FedACH windows, including three same-day ACH options with files uploaded every hour, to move money when you need it and receive real-time feedback on your payment.

**Set granular transaction details.**Include your company ID, customized memos, and addenda for clear data tracking and traceability.

**Rely on consistent protections.**Benefit from built-in compliance screening (OFAC, NACHA) and customizable controls for secure authorizations. Apply robust authorization decisioning rules for reliable safeguards across both cards and ACH.

Flexibility for any program construct

Whatever you’re building, Lithic provides the right-fit solutions with flexible ledgering infrastructure that simplifies integration and reduces operational complexity.

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Flexibility for variable use cases

**Stand up any program construct.**Whether debit, prepaid, revolving, or charge, Lithic provides the right ledger set-up to power your program across both consumer and commercial programs.

**Integrate with ease.**Our configurable framework makes it simple to adopt only the ledger components you need, whether Lithic or your team is serving as program manager.

**Keep what you own.**Unlike legacy processors that bundle ledgering and program management together, Lithic lets Processor Gateway clients use our ledger independently, so you retain control of the program components that matter to you.

**Stay future-ready.**Our ledger powers flexible rewards constructs, interest-bearing accounts, and custom billing models.

An immutable source of truth

Lithic’s integrated ledger and processing stack keep balances and settlement data perfectly aligned for accurate, effortless reconciliation.

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An immutable source of truth

**Maintain accurate records.**Double entry bookkeeping and historic ledger entries never change, creating a transparent, reliable system of record for audit trails.

**Scale without friction.**Consistent replication across all cloud instances ensures continuous access to records—no mismatches, even as your program grows.

**See everything in real-time.**Every transaction and balance updates instantly, giving your team the confidence to authorize transactions quickly.

Make smarter decisions. With a single source of truth, your program can analyze financial activity, optimize liquidity, and scale efficiently.

Routable subledgers & account structures

Lithic’s flexible account structure gives you control over how funds are held and moved, whether you’re offering deposit accounts, revolving credit lines, or specialized account constructs.

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Routable subledgers & account structures

Easily track and move user funds. Set up balanced tracked subledgers to get complete oversight of all customer funds movement in real-time.

**Customizable logic at the lowest levels.**Configure each subledger with your custom business logic to control your program activity.

**Integrate seamlessly.**Connect accounts directly with ledgering and settlement flows so money movement stays accurate and efficient.