Bond Treasury

Embed enterprise financial services

Store, send, and spend money better. Launch quickly and compliantly with our scalable embedded finance platform.

Deliver financial services for your customers

Corporate Bank Account

Problem: Your customers want to manage their cash more easily and simplify their workflow by banking with you.

Solution: Create FDIC-insured deposit accounts to store funds and move money. Open virtual sub-accounts for different purposes and pair with credit and debit cards.

Digital Wallet

Problem: You want to help your customers send money to their vendors, employees, or other partners with as little friction as possible.

Solution: Create an account that can be topped up through payments or transfers. Facilitate instant and no-fee payments between parties in your company or ecosystem with your own payment network.

Invoicing

Problem: Your customers send and receive invoices outside of your platform with cumbersome and slow processes. You want to offer a better experience.

Solution: Add a tailored "Pay invoice" workflow to your product and let your customers send or pay invoices easily.

Expense and Spend Management

Problem: Your customers want to track how much money they’re spending by category, by project, or manage employee or contractor budgets.

Solution: Create single and multi-use debit and credit cards and unlimited bank accounts with extensive controls to manage complex business expense scenarios.

Instant Payouts

Problem: You’re processing payments or paying out funds and your customers want to access their earnings faster to better manage their cash flow.

Solution: Allow merchants or employees to get instant access to earnings at low or no cost. Funds can be spent instantly with a debit card.

Interested in something else?

Speak with our team to discuss how you can launch purpose-built financial products

Texas Medical Center uses Bond Treasury to build tailored expense solutions

Texas Medical Center (TMC) is the world’s largest medical city. TMC comprises 61 institutions and 21 hospitals, including the M.D. Anderson Cancer Center, the #1 cancer hospital in the world, and Texas Children's Hospital, the largest children’s hospital in the world. With over $25 billion in annual revenue, TMC has over 106,000 employees and sees over 10 million patient visits annually.

Problem

Expense management at Texas Medical Center (TMC) involves time-consuming manual processes built on top of inflexible legacy software. Modern, user-friendly software is available for large organizations to manage their finances, but none of those solutions are purpose-built for healthcare.

Solution

With Bond, TMC can open as many bank accounts as needed to support a variety of employee expenses. Virtual and physical debit and credit cards with spend controls ensure employees can make the purchases they need without risk for TMC.

Products

Corporate bank account
Invoicing
Expense and spend management
Debit and credit cards

“With Bond Treasury, TMC will embed expense and spend management into our applications to save an incredible amount of time so we can refocus on serving the 10 million patients we see every year. Over time, we expect to expand into other parts of healthcare finance, such as payment acquiring, treasury management, and credit. Bond has the talent, platform, and vision to be our long term partner and we are incredibly excited to work together.”

Odero Otieno

Odero Otieno, Founder in Residence at TMC and Chief Executive Officer of Tanaflow

Powerful features

Accounts

Integrated partner banks

Evolve Bank & Trust, CBW Bank, and UMB Bank

Bank accounts

FDIC-insured accounts with unique account/routing numbers to hold and receive funds

Virtual sub-accounts

Unlimited sub-accounts with unique account/routing numbers attached to a main account

Instant bank verification

Verify any US bank account as a counterparty for payments

Micro-deposits

Mitigate fraud and ensure bank connectivity via micro-deposits

Deposit sweeps

Automatically sweep funds to earn higher APY on deposits 

Cards

Debit and credit cards

Virtual and physical cards attached to an account or wallet, with market-leading interchange revenue share

Card controls

Manage how and where cards can be used via APIs

Flexible rewards

Give cashback or statement credits

Custom authorization rules

Spend control rules to limit transactions and velocity

Hosted authorization

Build your own rules for authorizing transactions 

Coming soon
Level 2 / Level 3 transaction data

Richer item-level card transaction details

Coming soon

Money Movement

Ledger transfers

Free and instant money movement

Standard ACH

Move funds with standard processing times

Same-day ACH

Faster payments with same-day ACH timing

Mass payments

Send thousands of payments at once via APIs

Custom controls and limits

Flexible controls for secure payment operations

Wires

Domestic and international wire transfers

Coming soon
Push to card

Send money to any debit card for faster payments

Coming soon
Real-time payments

Leverage the RTP® Network Send to send real-time payments

Coming soon

Compliance and Risk Management

KYC/KYB

Fully managed, including exceptions handling

AML compliance

Fight and prevent money-laundering

Custom fraud mitigation strategy

Configured and managed to fit your needs

Transaction monitoring

Identify suspicious actors and instant decisioning on high-risk activity

ACH fraud detection and investigation

Specialized ACH fraud mitigation tools

Platform Overview

Sandbox environment

Build quickly in our fully-featured sandbox test environment

Webhooks

Build richer experiences for end-users with the most comprehensive webhooks in the market

Ledger

Unified ledger to retrieve balances and transactions

PCI and security

Leverage Bond’s embedded security to keep end-user data safe and to avoid being PCI compliant

Dashboards and analytics

KPIs and metrics available at a glance

Generate 2x the interchange of a debit card by offering your customers a credit builder card

Retain customers and grow your user base

In the news

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Who needs a BaaS partner, anyway?

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Executives from Rapyd, PayPal and Goldman Sachs join Bond

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Fintech founder predicts the biggest 4 banks will be worth ‘less than $100 billion’ in 5 years

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