> ## Documentation Index
> Fetch the complete documentation index at: https://developers.ingopayments.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Banking Platform

> Banking-as-a-Service API for fintech programs. Issue routable bank accounts and debit cards, manage KYC/KYB onboarding, move money in both directions, and maintain a real-time ledger for every entity in your program.

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    Ingo Payments · Banking Platform
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      Your program. Every dollar <span style={{ color: "#23ad4b" }}>accounted for.</span>
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    Issue accounts, move money, and track every transaction — for every entity in your program.
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The Ingo Banking Platform is a Banking-as-a-Service API built for fintech programs that manage sub-merchants or end users on behalf of their business. Your program integrates once and gains the ability to onboard users and businesses through a KYC/KYB-compliant verification flow, issue real routable bank accounts to each verified entity, manage internal book transfers between entities, and query balances and full transaction history at any level of granularity. The API is designed to be embedded directly into your own customer-facing portals — your sub-merchants interact with your product, and your product calls ours.

Inbound and outbound transactions — including funding a sub-merchant's account and issuing disbursements — are handled through the **IngoPay API**. IngoPay transactions include ledger routing values that direct each transaction to the correct entity's ledger within the Banking Platform automatically. The Banking API handles the account and entity lifecycle, internal transfers between entities, and balance and transaction reporting.

For programs that need to collect KYC/KYB information from business stakeholders, Ingo provides a fully hosted diligence experience. Your team submits the stakeholder's contact information through the program operations portal; Ingo delivers a secure engagement email and guides the stakeholder through completing their verification obligations via a hosted portal — no diligence collection UI for you to build or maintain. Verification is typically completed same-day; in some cases Ingo may request additional documentation or clarification from your team to work with the entity to resolve open requirements. Ingo also provides a program operations portal that gives your servicing and operations teams a full-ledger view across every entity in your program without requiring an API integration.

***

## Platform Capabilities

<CardGroup cols={2}>
  <Card title="KYC / KYB Onboarding" icon="id-card" href="/docs/banking/onboarding/create-user">
    Onboard individual users and businesses through a KYC/KYB-compliant verification
    flow. For business onboarding, Ingo provides a fully hosted diligence experience —
    your team submits stakeholder contact information through the program operations
    portal, and Ingo engages each stakeholder directly via email to complete their
    verification obligations. Accounts, cards, and money movement are gated behind
    verification; nothing issues until the entity is confirmed.
  </Card>

  <Card title="Bank Accounts" icon="building-columns" href="/docs/banking/accounts/issue-rba">
    Issue real routable bank accounts to verified users and businesses, each with
    their own account and routing numbers capable of receiving external ACH transfers
    and wires. Virtual account numbers segment a single underlying account across
    multiple entities. Entities can also link external bank accounts as funding
    sources or payout destinations.
  </Card>

  <Card title="Internal Transfers" icon="arrows-right-left" href="/docs/banking/money/book-transfer">
    Move funds between entities within your program using book transfers. Inbound
    funding and outbound disbursements to external accounts are handled through the
    IngoPay API, with ledger routing values directing each transaction to the correct
    entity automatically. All monetary operations support idempotency keys to make
    retries safe against duplicate processing.
  </Card>

  <Card title="Sub-Merchant Management" icon="store" href="/docs/banking/merchants/view-businesses">
    View, search, and manage the businesses in your program. Query per-entity
    balances, transaction history, and linked accounts. Block or unblock entities
    as needed. Ingo also provides a program operations portal — a UI your operations
    and servicing teams can use to research transactions and review sub-merchant
    ledgers without an API integration.
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  <Card title="Webhooks & Real-Time Events" icon="webhook" href="/docs/banking/webhooks/overview">
    Receive real-time event notifications at every meaningful state change —
    KYC/KYB verification results, account and card issuance, card lifecycle
    updates, and money movement completions. Webhooks are the authoritative
    source for async transaction state; do not rely on polling.
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  <Card title="Card Issuance" icon="credit-card">
    <div style={{ display: "inline-block", fontSize: "10px", fontWeight: "700", background: "#f59e0b", color: "#000000", padding: "2px 10px", borderRadius: "10px", marginBottom: "10px" }}>In Development</div>

    Issue virtual and physical debit cards to verified users and businesses.
    Cards move through a managed lifecycle — issued, activated, frozen, unfrozen,
    and reissued or terminated as needed. Physical cards are shipped to a provided
    address at issuance. Both user-level and business-level card programs are
    supported.
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