lyria
Contact Talk to sales
Accounts

Every currency. One place.

Lyria Accounts gives your business, and your customers, account details for collections and payouts in major currencies. Funds are held with regulated banking partners. Balances, movements and statements are managed through Lyria.

Talk to our teamDeveloper overview
AccountsIllustrative
AccountCurrencyBalance
OperatingEUR1,284,310.00
OperatingUSD962,018.45
CollectionsGBP418,227.10
Customer fundsCAD307,904.66
PayoutsUSDC250,000.00
Sample data. Funds are held with regulated banking and custody partners.

Banking infrastructure, without becoming a bank.

Open accounts for operations, collections and customer funds, move money between them, and see every balance in one place.

Business accounts

Operating accounts in major currencies, with account details for receiving and sending funds.

Customer sub-accounts

Create accounts for your own customers, each with its own balance and statement in the ledger.

Collections

Unique account details per payer make incoming funds easy to match automatically.

Foreign exchange

Convert between currencies at transparent rates, on demand or as part of a payout.

Internal transfers

Move funds between your accounts instantly, with every movement recorded in the ledger.

Statements

Daily statements and real-time balances, exportable for finance and audit.

How it works

From application to first transfer.

  1. Verify

    We complete KYB on your business and its owners.

  2. Open

    Accounts are opened with our banking partners.

  3. Fund

    Receive funds using your account details.

  4. Move

    Transfer, convert and pay out through the API or console.

Details

Accounts at a glance.

Lyria is not a bank and does not take deposits. Accounts and the funds in them are provided and held by regulated banking partners, under terms disclosed in your agreement.

Currencies
Major currencies including CAD, USD, EUR and GBP, with others available through partners.
Account types
Operating, collection, payout and customer accounts.
Where funds are held
With regulated banking partners. Arrangements vary by currency and jurisdiction and are set out in your agreement.
Access
API, operations console and scheduled statement exports.
Controls
Role-based permissions, dual approval for payouts and configurable limits.
Eligibility
Businesses that pass due diligence. Some account types are not available in every jurisdiction.

Who Accounts is built for.

Fintech & embedded finance

Offer accounts inside your product without building banking relationships one by one.

Read more

Platforms & marketplaces

Hold seller balances in the ledger and pay out on schedule or on demand.

Read more
Integrate

Open accounts by API.

One request style across every Lyria product, with idempotency, signed webhooks and a sandbox that mirrors production.

  • Account details returned in the response
  • Balances and movements via the same API
  • Permissions and dual approval per account
Developer overview
Open an account
POST /v1/accounts
{
  "type": "operating",
  "currency": "USD",
  "nickname": "US collections"
}
→ 201 Created  acc_usd_7Q2
Works with

Complete your stack.

Every product shares the same ledger, data model and controls, so adding the next one is a configuration change.

OrchestrationRoute each payment to the provider most likely to approve it.Settlement & PayoutsReconciled settlement and payouts on every rail.Digital AssetsStablecoin acceptance, settlement and conversion.Risk & ComplianceOnboarding, screening and monitoring infrastructure.Ledger & ReportingA double-entry record of every movement of funds.

Questions about Accounts.

Is Lyria a bank?
No. Lyria is a brand of Crestline Technologies Ltd., a registered Money Services Business. Accounts are provided through regulated banking partners, and Lyria provides the technology and operations around them.
Can we offer accounts to our own customers?
Yes, subject to due diligence and the requirements of the banking partner for the relevant currency and jurisdiction.
How do you handle foreign exchange?
Conversions are quoted before execution, with the rate and any fee shown. You can convert on demand or as part of a payout.
What statements are available?
Real-time balances, daily statements and full transaction exports in standard formats.

Open the accounts your business runs on.

Tell us about your flows and volumes, and we will show you how Accounts fits alongside the rest of your stack.

Talk to our teamAll products