Banking, engineeredfor the internet
Nova is the programmable banking platform where money moves at the speed of code. Real-time ledgers, embedded payments, and bank-grade security — through one elegant API.
- 0.00%
- Uptime SLA
- 0+
- Countries
- <0ms
- Ledger latency
Total balance
$2,481,930.24
Stripe payout
Settled
Wire · Frankfurt
Cleared
Card · AWS
Authorized
4291 •••• •••• 8842
Settled in 34ms
API · 200 OK
Total balance
$2,481,930.24
4291 •••• •••• 8842
Settled in 34ms
API · 200 OK
await nova.transfers
.create(payload)Reconciliation
100%
0 unmatched · live
Every money primitive, working as one
Balances, cards, payouts, reconciliation, fraud — live and composable. Scroll to see how the platform fits together.
One API for the entire money stack
Every primitive a modern financial product needs — composable, typed, and production-ready from your first call.
Programmable money
Move, hold, and split funds with a REST + GraphQL API. Double-entry ledger primitives that read like your business logic.
Bank-grade security
End-to-end encryption, hardware-backed keys, and continuous anomaly detection watching every transaction in real time.
Borderless by default
Settle in 135 currencies with local rails in 180+ countries. FX at interbank rates, no hidden spread.
Real-time observability
Every balance, every event, streamed live. Reconcile in milliseconds with an immutable, queryable audit trail.
Issue cards instantly
Spin up virtual and physical cards programmatically with granular spend controls and instant freeze.
Embedded finance
Drop accounts, payments, and lending into your product with prebuilt components and typed SDKs.
Ship money features in an afternoon
Typed SDKs, predictable primitives, and a console that mirrors production. Click through what your integration looks like.
await nova.transfers.create({from: 'acct_treasury',to: 'acct_payroll',amount: 8841000, // $88,410.00currency: 'usd',idempotencyKey: run.id,})
Transfer between ledgers with an idempotent, double-entry primitive.
Settled · 34ms
double-entry posted
Try the API right here
Adjust the request and watch the response update in real time. No signup, no keys — this runs against a sandbox.
Request
Currency
Rail
Response
200 OK · 34ms{"id": "tr_7ins","status": "settled","amount": 50000,"currency": "usd","rail": "instant","fee": 255,"net": 49745,"settles_in_ms": 34}
Fee
$2.55
Net settled
$497.45
Trust, engineered into every layer
We hold your customers' money to the standard regulators demand — and the standard engineers respect. No trade-offs.
Encryption everywhere
AES-256 at rest, TLS 1.3 in transit, and hardware-backed keys that never leave the HSM.
Real-time fraud engine
Every transaction scored in <10ms against a model watching 300+ signals.
Immutable audit trail
Append-only ledger. Every state change is signed, timestamped, and queryable.
Plug into the tools you already use
Connect your stack in minutes. Data flows both ways — no glue code, no nightly batch jobs, no surprises.
QuickBooks
AccountingAuto-sync ledgers and reconcile in real time.
Xero
AccountingPush journal entries the moment money moves.
Stripe
PaymentsRoute card and ACH flows through one API.
PayPal
PaymentsAccept wallets and payouts across 200+ markets.
Plaid
PaymentsVerify accounts and pull balances instantly.
Snowflake
AnalyticsStream every transaction into your warehouse.
Looker
AnalyticsBuild dashboards on live financial data.
GitHub
Dev toolsShip changes with CI-driven deploy hooks.
Slack
Dev toolsGet alerts on disputes, payouts, and anomalies.
From spreadsheet chaos to one source of truth
Drag the handle to see what finance ops looks like before and after Nova.
⚠ 4 unmatched · last synced 3 days ago · manual
Reconciled
100%
Unmatched
0
Auto-synced · settled in 34ms · immutable audit trail
$0.0T
Processed annually
0+
Companies building
%0.00
Uptime across regions
<0ms
Median API response
The infrastructure behind 12,000+ products
From seed-stage fintechs to national institutions moving billions.
“We migrated our entire treasury stack to Nova in six weeks. Settlement that used to take days now clears before the standup ends.”
Amara Okafor
VP Engineering · Meridian Pay
“The ledger primitives are what a bank would build if a bank were run by engineers. Our reconciliation team basically disappeared.”
Daniel Reyes
Head of Platform · Cobalt
“Bank-grade compliance without the enterprise slog. We passed audit on the first pass because the audit trail is just… there.”
Sofia Lindqvist
CTO · Northwind
Priced to scale with you
Start free, pay as you move. No setup fees, no minimums, no surprises.
Starter
For teams validating an idea in a sandbox.
- Test-mode ledger & cards
- Up to 5,000 API calls / mo
- Community support
- 2 team members
Scale
For companies moving real money at volume.
- Production ledger & payouts
- Unlimited API calls
- 180+ country coverage
- 99.99% uptime SLA
- Priority 24/7 support
Enterprise
For regulated institutions at national scale.
- Dedicated infrastructure
- Custom compliance & residency
- Named solutions architect
- White-glove migration
Questions, answered
Everything you need to know before you write your first line of code.
Nova is a banking-as-a-service platform. We partner with licensed, regulated banks and provide the programmable infrastructure layer on top — so you get bank rails with a developer experience.