Transforming small banks and credit unions into fintech powerhouses.

Support complex third-party programs with technology you own and control.

Create virtual accounts

Create virtual accounts for your customers or manage virtual FBOs for wholesale clearing and settlement via API or the Onboarding App.

Business Accounts
Business Accounts
Business Accounts
Individual Accounts
Individual Accounts
Individual Accounts
FX Accounts
FX Accounts
FX Accounts

Programatically move money

Leverage our powerful multi-layered ledger to manage customer balances, transaction processing, and reconciliation. It's lightweight yet capable of handling enterprise-level volume.

Domestic US Rails
Domestic US Rails
Domestic US Rails
SWIFT Payments
SWIFT Payments
SWIFT Payments
90+ Local Rails
90+ Local Rails
90+ Local Rails

True Bank Control

Not just a Banking-as-a-Service provider or middleware provider. Dedicated instance a cloud environment that your bank controls. white-glove guidance on how to operate the platform and provide ongoing technical, operational, and compliance support.

You decide which industries you want to target from a wholesale payments perspective
You decide which industries you want to target from a wholesale payments perspective
You decide which industries you want to target from a wholesale payments perspective
You set all the rules and limits for every customer and transaction
You set all the rules and limits for every customer and transaction
You set all the rules and limits for every customer and transaction
You own all the data
You own all the data
You own all the data

Create a FedNow transfer

curl

'https://api.cakecapital.com/transfers/ach'

\

-u :prod_1vWeqakwT2N7NYRtZkUPSBt4scn

\

-d

counterparty_id

=

cpty_1vWeqakwT2N7NYRtZkUPSBt4scn

\

-d

bank_account_id

=

bacc_1vWeqakwT2N7NYRtZkUPSBt4scn

\

-d

amount

=

241

\

-d

type

=

DEBIT

\

-d

currency_code

=

USD

\

-d

description

=

"Recurring bill"

Create a FedNow transfer

curl

'https://api.cakecapital.com/transfers/ach'

\

-u :prod_1vWeqakwT2N7NYRtZkUPSBt4scn

\

-d

counterparty_id

=

cpty_1vWeqakwT2N7NYRtZkUPSBt4scn

\

-d

bank_account_id

=

bacc_1vWeqakwT2N7NYRtZkUPSBt4scn

\

-d

amount

=

241

\

-d

type

=

DEBIT

\

-d

currency_code

=

USD

\

-d

description

=

"Recurring bill"

Create a FedNow transfer

curl

'https://api.cakecapital.com/transfers/ach'

\

-u :prod_1vWeqakwT2N7NYRtZkUPSBt4scn

\

-d

counterparty_id

=

cpty_1vWeqakwT2N7NYRtZkUPSBt4scn

\

-d

bank_account_id

=

bacc_1vWeqakwT2N7NYRtZkUPSBt4scn

\

-d

amount

=

241

\

-d

type

=

DEBIT

\

-d

currency_code

=

USD

\

-d

description

=

"Recurring bill"

Frictionless Money Movement

© Copyright 2025 GIMME CAKE CORP & CAKE CAPITAL LLC and it's affiliates. Cake Capital™ is not a lender or bank and does not sit in the flow of funds, Cake Capital products are issued by various financial institutions pursuant to their licenses. All product and company names are trademarks or registered trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.

Frictionless Money Movement

© Copyright 2025 GIMME CAKE CORP & CAKE CAPITAL LLC and it's affiliates. Cake Capital™ is not a lender or bank and does not sit in the flow of funds, Cake Capital products are issued by various financial institutions pursuant to their licenses. All product and company names are trademarks or registered trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.

Frictionless Money Movement

© Copyright 2025 GIMME CAKE CORP & CAKE CAPITAL LLC and it's affiliates. Cake Capital™ is not a lender or bank and does not sit in the flow of funds, Cake Capital products are issued by various financial institutions pursuant to their licenses. All product and company names are trademarks or registered trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.