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
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Generate 2x the interchange of a debit card by offering your customers a credit builder card
Retain customers and grow your user base
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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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How a corporate lawyer and a finance guy ditched the rat race to build a 750 million barbershop app