Accounts and every rail, on one ledger.
Open programmatic accounts and move money across ACH, Fedwire, SWIFT, RTP, and FedNow. Each rail settles to the same immutable ledger the instant it clears.
curl https://api.aureus.com/v1/accounts \
-H "Authorization: Bearer sk_live_••••" \
-d '{
"type": "operating",
"currency": "USD"
}'- ACH
- Fedwire
- SWIFT MT103
- RTP / FedNow
- Checks
- Virtual accounts
Programmatic accounts, issued in code
Operating and FBO structures with generated routing and account numbers, multi-entity hierarchies, and virtual accounts that make reconciliation trivial.
- Operating & FBO structures
- Generated routing / account numbers
- Virtual accounts for reconciliation
- Multi-entity hierarchies
Every rail behind one interface
Domestic and cross-border, instant and batch. The same call sends an ACH or a Fedwire; the rail is a parameter, not a rebuild.
- ACH
- Same-day & standard, returns handled
- Wire
- Fedwire & SWIFT MT103 with real codes
- Instant
- RTP & FedNow, 24/7/365
- Checks
- Issued and deposited programmatically
Cleared and reconciled in real time
Every movement posts as balanced double-entry the moment it clears, with UETR, IMAD/OMAD, and trace references attached to the entry.
- Balanced on clear
- Full message references
- Append-only audit trail
- Derived balances
Answers, plainly.
No. AUREUS routes to regulated partner institutions behind a single interface. Where you hold your own licensing, the same interface points at your rails instead.
ACH, Fedwire, SWIFT, RTP, and FedNow in the United States, with cross-border corridors expanding by region. Coverage and licensing posture are stated plainly on the Global page.
As reversing entries. Nothing is ever updated or deleted on the ledger; a return posts a new balanced transaction that references the original.
Yes. Virtual accounts give every customer a unique number that maps to your operating or FBO account, so inbound funds reconcile automatically.