Nothing readable at rest.Card data, credentials and payment identifiers are encrypted per record, each key wrapped under a rotating master key.CipherAES-256-GCM
Every financial capability.
One regulated platform.
All of it runs on one account and settles to one ledger — whether the money is yours or your company's.
All 7 capabilities
Personal
Business
Put money in.Take it out when you need it.
Add money by bank transfer or card, hold it across currencies, and move it back out on the rails your bank already uses. Every movement lands as a ledger entry you can export.
- Deposit by bank transfer or card
- Withdraw to your bank, or take cash at an ATM
- Every fee on screen before you confirm
Bank-grade controls.
On every transaction.
Money software is invisible when it works and catastrophic when it does not. Every wallet, card and transfer runs on the controls regulated banks use — verified by the same third-party auditors, on the same schedule.
3INDEPENDENT CERTIFICATIONS
AES-256ENCRYPTION
35RISK SIGNAL TYPES
4IDENTITY PROVIDERS
ENCRYPTIONAES-256IDENTITYKYC VERIFIEDSANCTIONSSCREENEDAUDIT TRAILHASH-CHAINEDFRAUD DETECTIONMONITOREDBINKLEDGER
Five controls, and a transaction clears all five before the ledger commits it. None of them is optional, and none of them runs after the money has moved.
Audited by the firms that audit banks.The certifications your acquirer and your board already recognise — renewed annually, not claimed once.CertifiedPCI DSS L1 · ISO 27001 · SOC 2 Type II
Every counterparty is a verified person.Documents, liveness and face match run through established identity providers before an account can move money.ProvidersSumsub · Onfido · Veriff · Persona
A history that cannot be quietly edited.Each entry commits the hash of the one before it, so any change to the past breaks the chain from that point forward.ChainSHA-256 · append-only
Scored before it settles, not after.Device, velocity, geography and AML patterns resolve to a single risk score on every money movement.Signals35 signal types
Compliance frameworkIndependently audited. Continuously monitored. Evidence on request.PCI DSS LEVEL 1ISO 27001SOC 2 TYPE IIAMLKYCSecurity overview
One global platform.
Built for scale.
Compliance, partnerships and customer operations across the GCC, Europe and MENA — staffed locally, supervised centrally. Replies inside working hours, every working hour.
24/7MONITOREDLiveSTATUS PAGE3REGIONS<2sSETTLEMENT
LONDONGMTCAIROEETRIYADHQ2 2026DUBAIGSTLIVE NETWORKDUBAITreasury & GCC operationsGSTUTC+4LONDONBanking & partnershipsGMTUTC+0CAIROCustomer operationsEETUTC+2RIYADHOpening Q2 2026ASTUTC+3SYNCED 2s AGO
OPERATIONALDubaiUNITED ARAB EMIRATESGCC HEADQUARTERSTreasury & GCC operationsFUNCTIONTreasuryGCC TREASURYCOMPLIANCEFX ROUTING24/7 OPSDIFC Gate Building · Level 14Sun–Thu · 09:00–18:00 GSTGST · UTC+4
ONLINELondonUNITED KINGDOMEUROPEAN OPERATIONSInternational banking & partnershipsFUNCTIONBankingEU COMPLIANCEFX ENGINEREPORTINGTRADING HRS71–75 Shelton Street · Covent Garden · WC2H 9JQMon–Fri · 09:00–18:00 GMTGMT · UTC+0
MONITOREDCairoARAB REPUBLIC OF EGYPTENGINEERING & COMPLIANCECustomer operations & complianceFUNCTIONOperationsMENA OPSKYC VERIFIEDLOCAL RAILSCUSTOMER OPSSmart Village · B127Sun–Thu · 09:00–18:00 EETEET · UTC+2
COMING SOONRiyadhKINGDOM OF SAUDI ARABIASTRATEGIC EXPANSIONExpansion & strategic growthEXPANSION TIMELINEQ2 2026STAGE 3 / 4PLANNINGINFRAHIRINGLAUNCHSAR TREASURYSAMA LIAISONLOCAL RAILSONBOARDINGKing Fahd District · OlayaOpening Q2 · 2026AST · UTC+3
Enterprise-grade infrastructureReal institutions. Real compliance. Real scale.PCI DSS LEVEL 1ISO 27001SOC 2 TYPE II24/7 OPERATIONSAbout our infrastructure
Build on financial infrastructure.
REST APIs over HTTPS, signed webhooks and idempotency on every mutation. Sandbox keys in thirty seconds, production keys after a single KYB review — the same primitives we run ourselves.
- Base URL
- https://api.bink.com/v1
- Auth
- Bearer · scoped keys
- Mutations
- Idempotency-Key required
- SDKs
- TypeScript · Python · Go
RESTHTTPSTRANSPORT
BearerscopedAPI KEYS
Requiredper callIDEMPOTENCY
HMACSHA-256WEBHOOK SIGNING
ThreeTS · PY · GOSDKS
Freeno cardSANDBOX
01// Send $250 from a USD wallet to a counterparty02const transfer = await binkpay.transfers.create({03 currency: "USD",04 amountMinor: 25000, // $250.0005 destination: "acct_8s4k…",06}, { idempotencyKey }); 08// → { id: "trf_1c9a…", status: "SETTLED", ms: 412 }EXECUTION LOG412ms · trf_1c9a…
00:00.041Transfer created · idempotency key locked00:00.087KYC verified · AML and sanctions cleared00:00.183FX conversion executed · USD → counterparty00:00.296Treasury synced · double-entry posted00:00.412Settlement completed · webhook delivered · 200
IDEMPOTENTSIGNEDAUDITEDv2024.11 · prod
SandboxProduction keysIdempotencyVersioned APIsWebhook engineSDK coverage
Scale the team.
Shrink the paperwork.
You had a bureaucracy. Now you have a business again.
When a member is assignedFIFINANCE
Grantpayments.readpayouts.createsettlements.read
Revokeapikeys.manage
Card limit$5,000.00/ month
7 built-in roles · 33 scopes · custom rolesNO CODE
Set user access on autopilot.
Provision cards, permissions and limits automatically based on role, location, department and custom fields.
Enterprise solutions
LONDONOFFICE£48,000
CAIROOPERATIONSE£2,400,000
RIYADHSALESSR 180,000
DUBAITREASURYAED 220,000Issuing live in 6 currencies · 30+ convertibleUPDATED 2s AGO
One platform for all your global spend.
Issue cards in 30+ currencies and reimburse employees in local currency, including pounds, euros, yen and pesos.
Global spend managementWhat our customers say
Hear from the businesses that run their payments, payouts and treasury on BINK.
Abdulrahman HareedyCEO, LTC AcademyOnboarding was seamless. The team guided us step by step, from the demo to signing to going live.
Mohamed AbdelhalimAccounting Manager, Al SidraYou can receive money from anywhere in the world in under a minute — secure, fast, and effortless for the customer paying in their own currency.
Khaled BakrCEO, Pickup ApplicationBINK lets us focus on growing the business. We trust it as our rail, so online transactions and settlement are no longer our problem.
Abdel Wahab QuranyCEO, Tarteel AcademyI reach the team fast, the platform is stable, and there are no technical surprises. That is a huge relief.
Mohamed MansourCEO, Formation SportsSupport is there whenever we need it, on calls, online or face to face. The dashboard is genuinely easy to work in.
Mohamed ShahinBusiness Development, SplendAppPayments went live in the blink of an eye. It made reaching customers outside Egypt far simpler than we expected.
Ahmed ZalatCEO, TifoBINK activated payments for our app during the holiday season in four hours. Rare in this market.
Mohamed Ali IbrahimCEO, DesigniferI have sent payment links to clients across Europe, America and Africa, and not one has reported a problem.
Ihab MahmoudCEO, Ols Park85% of our sales now come through the online channel. Easy to work with, stable, and they actually support freelancers.
Abdel Wahab QuranyCEO, Tarteel AcademyI reach the team fast, the platform is stable, and there are no technical surprises. That is a huge relief.
Mohamed MansourCEO, Formation SportsSupport is there whenever we need it, on calls, online or face to face. The dashboard is genuinely easy to work in.
Mohamed ShahinBusiness Development, SplendAppPayments went live in the blink of an eye. It made reaching customers outside Egypt far simpler than we expected.
Ahmed ZalatCEO, TifoBINK activated payments for our app during the holiday season in four hours. Rare in this market.
Mohamed Ali IbrahimCEO, DesigniferI have sent payment links to clients across Europe, America and Africa, and not one has reported a problem.
Ihab MahmoudCEO, Ols Park85% of our sales now come through the online channel. Easy to work with, stable, and they actually support freelancers.
Abdulrahman HareedyCEO, LTC AcademyOnboarding was seamless. The team guided us step by step, from the demo to signing to going live.
Mohamed AbdelhalimAccounting Manager, Al SidraYou can receive money from anywhere in the world in under a minute — secure, fast, and effortless for the customer paying in their own currency.
Khaled BakrCEO, Pickup ApplicationBINK lets us focus on growing the business. We trust it as our rail, so online transactions and settlement are no longer our problem.
Ahmed ZalatCEO, TifoBINK activated payments for our app during the holiday season in four hours. Rare in this market.
Mohamed Ali IbrahimCEO, DesigniferI have sent payment links to clients across Europe, America and Africa, and not one has reported a problem.
Ihab MahmoudCEO, Ols Park85% of our sales now come through the online channel. Easy to work with, stable, and they actually support freelancers.
Abdulrahman HareedyCEO, LTC AcademyOnboarding was seamless. The team guided us step by step, from the demo to signing to going live.
Mohamed AbdelhalimAccounting Manager, Al SidraYou can receive money from anywhere in the world in under a minute — secure, fast, and effortless for the customer paying in their own currency.
Khaled BakrCEO, Pickup ApplicationBINK lets us focus on growing the business. We trust it as our rail, so online transactions and settlement are no longer our problem.
Abdel Wahab QuranyCEO, Tarteel AcademyI reach the team fast, the platform is stable, and there are no technical surprises. That is a huge relief.
Mohamed MansourCEO, Formation SportsSupport is there whenever we need it, on calls, online or face to face. The dashboard is genuinely easy to work in.
Mohamed ShahinBusiness Development, SplendAppPayments went live in the blink of an eye. It made reaching customers outside Egypt far simpler than we expected.
Everything your finance team needs to know.
How settlement, treasury, compliance and security actually work on the rail — answered by the team that runs it.
Still need an answer? Our infrastructure team replies in under two hours, around the clock.Talk to the team
T+0on supported corridors
Settlements route through regional rails — InstaPay and local GCC rails, SEPA in Europe, SWIFT internationally — and reconcile to a single ledger. Supported corridors settle same-second where the rail allows it, and every entry is timestamped and audit-ready.
Multi-rail routingAutomatic corridor selection per transactionT+0 on supported corridorsSame-second finality where the rail allowsImmutable audit trailEvery entry written once, never edited
Updated 14 Jul 2026Continuousno end-of-day batch
Conversions, payouts and fees arrive already matched against your ledger. Balances update as money moves, so month-end is a review rather than a rebuild.
Continuous matchingNo end-of-day batch to wait forMulti-entity balancesConsolidated or per entityExportable statementsCSV, ISO 20022 and API
Updated 02 Aug 202630+currencies convertible
Hold and settle in EGP, USD, EUR, GBP, AED and SAR, with conversion across 30+ currencies at a published spread. Local payout rails are live in the markets we are licensed in.
Six held currenciesBalances you can settle from directlyPublished spreadsNo markup buried in the rate
Updated 28 Jun 2026100%counterparties screened pre-flight
KYC and KYB run against verified national registries, and every counterparty is screened against sanctions lists before funds move. Reviews are logged with the decision, the rule that triggered it and the reviewer.
Screening before movementNot a post-hoc reportRegulator-ready logsQueryable by entity or period
Updated 09 Jul 2026Dailysafeguarding reconciliation
Client money is safeguarded in segregated accounts at partner institutions and never used for operations. Balances are reconciled to the safeguarding account daily.
Segregated accountsSeparate from company fundsDaily reconciliationPosition confirmed every day
Updated 21 Jul 2026Publishedstatus page and incident history
Service health and incident history are published in real time. Enterprise agreements carry a contractual SLA with named escalation; the status page is the record for everyone else.
Live status pagePer-service health, publishedContractual SLAOn enterprise agreements
Updated 04 Aug 2026Get started todayReady to scale
Ready to scale
with BINK?
Open a free account in five minutes — or talk to our enterprise team about treasury, multi-entity payouts and embedded issuing. The same regulated rail that powers global money movement.