Payments API
Outgoing and incoming SEPA, SWIFT and on-chain transfers. Real-time statuses, idempotency and dual approval from your system.
Corporate clients
Banking infrastructure for international business: from startups to holdings with millions in turnover and crypto treasury.
Open business account
Accounts
Business accounts
EU current account with multi-currency IBAN, transparent fees and exports for accounting.
Circle Business — for Luxembourg Ltds, EU holdings and teams working across countries. One digital channel instead of a branch queue.
Entity onboarding — from 3 business days with a complete UBO package, incorporation documents and business model description. A relationship manager guides onboarding and limit setup.
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Business Current
Unlimited incoming SEPA, 50 outgoing SWIFT per month in the base package. Additional corridors on request.
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Multi-entity
Unified dashboard for a group of companies: access rights, limits and approval flows at each entity level.
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Statements & API
MT940, CAMT.053, CSV and direct REST API — for ERP, 1C, Xero and NetSuite without manual exports.
API
Banking as a service
Embed settlements, statements and payment statuses into your ERP, fintech or treasury platform — without manual exports from the portal.
{
"type": "sepa_credit",
"amount": { "currency": "EUR", "value": "12500.00" },
"beneficiary": { "iban": "LU21…", "name": "Acme Ltd" },
"idempotency_key": "pay_8f3c…"
}Webhooks
Subscribe to events: payment settlement, KYC, limits, AML alerts. HMAC signature, retries on failure, delivery log in the portal.
OAuth 2.0
Delegated access for fintech partners and internal ERP: scopes by accounts, roles and limits without sharing passwords.
Accounts API
Balances, IBAN details, virtual sub-accounts and entity limits — for a consolidated treasury dashboard.
Statements API
MT940, CAMT.053 and CSV for a period on schedule or via webhook. ERP reconciliation without manual uploads from internet banking.
Sandbox
Separate environment with test keys, payment fixtures and failure simulation — before production rollout.
Payroll
Payroll projects
Unified payout flow for employees and contractors in 30+ countries — in EUR, USD and USDC.
Circle Payroll covers the payroll cycle for remote teams and holdings: from register upload to each payment status in the portal and API.
Connect HRIS (BambooHR, Personio, Deel) or upload CSV. Country-specific deductions, dual approval above limits and a full audit trail.
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Bulk payouts
Up to 5,000 recipients in one batch: SEPA, SWIFT and on-chain USDC. Each payment status — accepted, in-flight, settled.
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Scheduling
Fixed pay dates, weekly advances or trigger via webhook from ERP and payroll systems.
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Compliance
Sanctions lists, PEP screening and IBAN/crypto address checks for each recipient before batch submission.
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Reporting
Batch statements, accounting exports and email notifications to recipients with masked details.
30+ jurisdictions
EUR · USD · USDC
T+0 SEPA batch
Treasury
Treasury
FX, liquidity and hedging for groups operating in multiple currencies — with transparent spreads and API.
Circle Treasury — for CFOs and treasurers: balance consolidation, market-rate conversion and rate lock before large transactions.
Dealing desk access 24/5, limits tailored to group structure and reporting on each conversion for audit and IFRS. Integration with ERP and treasury systems via REST API.
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Corporate FX
Spot and forwards on 40+ currency pairs. Spread from 0.15% for turnover > €5M/month, real-time quotes in the portal.
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Rate lock
Fix the rate for 15 minutes to 48 hours before payment or payroll batch. Confirm with one click or via API.
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Liquidity pooling
Shared FX limit and sweep between group accounts: EUR, USD, GBP and USDC on one dashboard.
€50M
Daily FX limit
0.15%
Corporate FX spread
12
Correspondent banks
24/5
Dealing & rate locks
Scale your business with Circle Banking
Tell us about your company structure — we will prepare an account and API proposal.