The all-in-one platform for U.S. banking infrastructure.

Developer APIs that speed up production.

Payments API

Process payments across 5+ rails with a single integration. Switch between ACH, wires, real-time payments, and stablecoins programmatically based on speed, cost, or use case. Same authentication, same webhooks, same error handling—regardless of payment type.

Banking & Accounts API

Issue FDIC-insured bank accounts for your customers in minutes. Create business or consumer accounts, manage balances, track transactions, and handle compliance—all through simple REST endpoints. Built on modern infrastructure with sponsor banks handling the regulatory heavy lifting.

Card Issuance API

Launch Visa debit card programs with full programmatic control. Issue physical and virtual cards, set spending limits, authorize transactions in real-time, and manage the complete card lifecycle through our API. Your branding, our infrastructure.

Crypto & Stablecoin API

Enable instant USD to USDC conversion through our Kraken partnership. Build fiat on-ramps, offer stablecoin wallets, or create white-label tokens—all with enterprise-grade liquidity and compliance built in. Earn 4.1% rewards on USDC holdings automatically.

import { OmniWire } from '@omniwire/sdk';

const client = new OmniWire({ apiKey: process.env.OMNIWIRE_API_KEY });

// ACH Payment - 1-2 business days
await client.payments.create({
  rail: 'ach',
  amount: 100000,
  destination: { accountNumber: '***1234', routingNumber: '021000021' }
});

// Wire Transfer - Same day
await client.payments.create({
  rail: 'wire',
  amount: 250000,
  destination: { accountNumber: '***5678', routingNumber: '026009593' }
});

// Real-Time Payment - Instant
await client.payments.create({
  rail: 'rtp',
  amount: 5000,
  recipient: { phoneNumber: '+1-555-0123' }
});

// Stablecoin - Instant + 4.1% rewards
await client.crypto.convert({
  from: 'USD',
  to: 'USDC',
  amount: 100000
});

// Same API. Different rails. One integration.