Embedded banking has changed how financial products are built. Today, fintechs, payment platforms, marketplaces, and software companies can embed payments, launch cards, automate financial workflows, and deliver banking services without becoming banks themselves.
FV Bank is taking that model a step further with Global Managed Accounts (GMA), a new embedded banking infrastructure solution that enables approved fintechs, payment platforms, marketplaces, and blockchain businesses to offer direct FV Bank accounts to their individual and business customers through their own branded products.
The partner owns the product experience and customer relationship, while FV Bank provides the regulated banking infrastructure behind it, including account provisioning, onboarding, compliance, monitoring, and payment capabilities.
The result is a model designed to let fintechs build and operate neobank-style financial products without becoming a bank themselves.
Why Embedded Banking Is Evolving
The first generation of embedded finance focused primarily on helping platforms move money.
But as fintech products have become more sophisticated, businesses increasingly need more than access to payment rails. They need dedicated banking relationships, domestic and international payments, cross-border transaction capabilities, stablecoin-enabled money movement, and financial workflows integrated directly into the products their customers already use.
One important limitation has remained: many embedded banking models do not give every end customer a direct banking relationship.
Consider a cross-border payments platform serving thousands of businesses. A customer initiates an international payment through the platform, but the payment may originate from a pooled or intermediary account rather than an account held directly in the customer’s name. The customer has limited visibility into the underlying banking relationship, while the platform must manage payment attribution, reconciliation, and increasingly complex compliance requirements.
As regulatory expectations evolve, this distinction becomes even more important. Requirements such as the FATF Travel Rule place greater emphasis on identifying and transmitting information about the parties involved in applicable transactions. Pooled or intermediary models can make customer identification, payment attribution, and information sharing more complex.
GMA addresses this gap by giving eligible end customers direct FV Bank accounts while keeping the regulated banking infrastructure with FV Bank.
A Better Ownership Model
GMA creates a clear separation between the customer-facing product and the regulated banking infrastructure behind it.
Partners focus on:
- Building differentiated financial products
- Designing the customer experience
- Managing customer relationships
- Developing software and financial workflows
FV Bank provides:
- Individual and business account infrastructure
- Customer onboarding and KYC/KYB
- Transaction monitoring and ongoing reviews
- Domestic, international, and cross-border payment capabilities
- Stablecoin-enabled money movement
- Regulatory and compliance operations
This allows partners to build around direct banking relationships without assembling the underlying banking, payments, and compliance stack themselves.
One Banking Foundation, Built for Global Products
Launching a financial product often requires a fragmented network of banks, payment providers, compliance platforms, and other infrastructure providers. Each integration introduces another dependency, operational process, and system to reconcile.
GMA brings these capabilities together through a single regulated banking foundation.
Eligible partners can offer their customers individual and business FV Bank accounts, domestic and international payments, cross-border payments in 40+ payment currencies, and stablecoin-enabled money movement including USDC, USDT and PYUSD.
The broader infrastructure includes:
- SWIFT for international payments
- ACH and domestic wires for U.S. payment rails
- Local payment rails supporting payments in 40+ currencies
- Debit Cards for supported use cases
- FX and treasury capabilities
- Digital asset custody through FV Bank’s infrastructure
With infrastructure supporting customers across 180+ countries, GMA gives partners a foundation for building financial products with a global footprint.
Built to Be Integrated
GMA is designed for financial products built through software.
Partners can use the dedicated GMA Partner Portal to onboard customers, manage accounts, and oversee account activity. API access allows developers to integrate supported GMA capabilities directly into their own applications and workflows.
This keeps the customer experience within the partner’s product while FV Bank provides the underlying regulated banking infrastructure.
A New Model for Embedded Banking
Embedded banking made financial services easier to integrate. GMA takes the next step by making the underlying banking relationship more direct. For fintechs, payment platforms, marketplaces, and blockchain businesses, this means building financial products around direct FV Bank customer accounts rather than relying solely on intermediary account structures.
For customers, it means accessing banking through the platforms they already use while maintaining a direct relationship with a regulated bank.
The partner builds the experience. FV Bank provides the banking infrastructure.
That is the model behind Global Managed Accounts: giving fintechs the foundation to build neobank-style products, expand globally, and focus on what differentiates their business.
Get Started
Global Managed Accounts is available to approved fintechs, payment platforms, marketplaces, and blockchain businesses looking to embed regulated U.S. banking into their products.
To get started, open an FV Bank Business Account. Once onboarded, eligible businesses can apply to become a Global Managed Accounts partner and begin offering direct FV Bank accounts and embedded banking capabilities to their customers.
Build your financial product on a regulated banking foundation with FV Bank.
