my-column gives developers a single API layer to embed compliant bank accounts, payments, and ledgers in days — not months. Forget the complexity of core banking; ship regulated financial products with confidence.
POST /v1/accounts HTTP/1.1Host: api.my-column.comAuthorization: Bearer sk_live_••••••••Content-Type: application/json{ "type"type: "checking"checking, "holder"holder: { "name"name: "Acme Corp"Acme Corp, "ein"ein: "12-3456789"12-3456789 }, "currency"currency: "USD"USD, "routing_number"routing_number: "021000021"021000021}
HTTP/1.1 201 Created{ "id"id: "acct_2xK9mP4nQrT7vY3"acct_2xK9mP4nQrT7vY3, "type"type: "checking"checking, "status"status: "active"active, "holder"holder: { "name"name: "Acme Corp"Acme Corp, "ein"ein: "12-3456789"12-3456789 }, "balance"balance: { "available"available: 0, "currency"currency: "USD"USD }, "routing_number"routing_number: "021000021"021000021, "account_number"account_number: "••••4821"••••4821, "created_at"created_at: "2025-06-12T14:22:31Z"2025-06-12T14:22:31Z}
99.99{13f5f8e6c90819760a200e5553655e69b25cc08131180816ecd49d3d7a1daa86} uptime SLA
Enterprise-grade reliability with continuous monitoring
FDIC-insured deposits
Customer funds protected up to $250,000 per depositor
SOC 2 Type II certified
Independently audited security and data privacy controls
Nationally chartered bank
Full banking authority under federal regulatory oversight
One unified infrastructure layer — accounts, payments, cards, compliance, and more — so you ship fast without stitching together five vendors.
Instant origination of ACH, same-day ACH, and domestic wire transfers via a single API endpoint.
Spin up real deposit accounts with unique routing and account numbers in milliseconds, FDIC-insured.
Originate, underwrite, and service consumer or commercial loans with configurable credit products.
Launch virtual and physical card programs with real-time spend controls and customizable BINs.
Built-in KYC, KYB, and AML screening that runs at account opening and continuously monitors activity.
Real-time transaction streams and lifecycle events delivered reliably to your endpoints at scale.
All products are available via REST API, webhooks, and SDKs. View full API reference →
Every layer of my-column is designed to reduce integration friction and give your team superpowers — from the first API call to production scale.
my-column ships a fully documented OpenAPI 3.1 specification alongside first-class SDKs for Node.js, Python, and Go — so your team can integrate in hours, not weeks. Type-safe clients, auto-complete support, and versioned endpoints keep your codebase clean as the platform evolves.
Read the docs1// Node.js SDK — create a virtual account23const client = new MyColumn({4 apiKey: process.env.MY_COLUMN_API_KEY,5});67const account = await client.accounts.create({8 entity_id: 'ent_8xKp2mQzLr',9 currency: 'USD',10 nickname: 'Escrow Reserve',11});1213console.log(account.id);14// → acct_4vNqRtYwBc
The my-column Sandbox mirrors production exactly — simulated ACH transfers, wire payments, card transactions, and balance updates all behave as they would live. Build confidence in your integration before a single real dollar moves.
Read the docs1// Simulate an ACH credit in Sandbox2const transfer = await client.transfers.simulate({3 account_id: 'acct_4vNqRtYwBc',4 type: 'ach_credit',5 amount: 250000, // $2,500.00 in cents6 description: 'Payroll deposit',7 effective_date: '2024-09-15',8});910// Response11{12 "id": "txn_7bPzXkLnMv",13 "status": "settled",14 "amount": 250000,15 "available_balance": 48732016}
my-column webhooks fire instantly on every state change — transfers, account updates, compliance flags — with automatic retry logic and an in-dashboard delivery monitor. Never poll again; build reactive, event-driven financial products with full observability.
Read the docs1// Register a webhook endpoint2const webhook = await client.webhooks.create({3 url: 'https://api.yourapp.com/hooks/column',4 events: [5 'transfer.settled',6 'transfer.returned',7 'account.balance_updated',8 'compliance.alert_raised',9 ],10 secret: process.env.WEBHOOK_SECRET,11});1213// Delivery log (dashboard response)14{15 "endpoint_id": "whe_9cQmJzRkTs",16 "last_attempt": "200 OK — 142ms",17 "success_rate": "99.97{13f5f8e6c90819760a200e5553655e69b25cc08131180816ecd49d3d7a1daa86}"18}
Access the full my-column API suite, Sandbox, and webhook tooling today.
From regulated neobanks to embedded finance products, builders across industries rely on my-column to move money, hold deposits, and issue credit — all on a single chartered platform.
Launch a fully-featured digital bank without owning a charter. my-column provides the regulated infrastructure so you can ship deposit accounts, cards, and payments on day one.
Originate, fund, and service loans through a single API layer. Connect underwriting logic to real money movement with compliant disbursement and repayment rails built in.
Add banking capabilities directly inside your product — whether you're a SaaS platform, marketplace, or vertical app. Give your users financial superpowers without becoming a bank.
Not sure which category fits? Talk to our team →
"my-column let us go from idea to live product in under 8 weeks — no bank sponsor headaches."
Sarah Kim — CTO, Meridian Financial
Explore the sandbox, read the docs, and ship your first API call today — no lengthy bank agreements.
Free sandbox access. Production access subject to approval.
The banking infrastructure built for builders. Programmatic accounts, payments, and compliance — all in one platform.
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