Multi-currency wallets and IBAN accounts through one operating layer
BearlaPay provides the platform layer to run multi-currency wallets, FX, collections and payouts through a single API and consistent lifecycle model. For external account details and rail access, BearlaPay connects to regulated partners that provide named IBANs and virtual IBANs (vIBANs) and access to local and international payment rails.
The objective is a consistent internal model for balances and movements, even when the underlying rails and partners differ.
Support multiple currencies in a single wallet with real-time balance management and conversion.
Issue virtual and physical IBAN accounts through regulated partners with full control layer.
Built-in FX conversion with configurable spreads and real-time rate management.
Consistent ledger model for all movements with full audit trails and reporting.
Every movement is represented through a consistent ledger model so balances, audit trails and reporting stay stable across rails.
This reduces reconciliation breaks as you add providers, corridors and payment methods.
All movements are recorded atomically to ensure data integrity
Handle multiple currencies with automatic conversion tracking
Structured data format simplifies reconciliation processes
Support transfers, payouts, collections and FX through one operating layer. Configure limits, rules and approval flows per tenant so different client types can operate safely through the same platform.
Enable wallet-to-wallet transfers, domestic and cross-border payouts with configurable limits and approval workflows.
Built-in foreign exchange with configurable spreads and real-time rate management for multi-currency operations.
Set limits, rules and approval flows per tenant to ensure different client types operate safely through the same platform.
IBAN issuance and access to rails such as SEPA, SEPA Instant, Faster Payments and SWIFT are delivered through integrated partners and accessed through the same BearlaPay control layer.
This keeps onboarding and operations consistent even as underlying rails differ.
Access multiple payment rails through a single, consistent interface regardless of the underlying provider or rail type.
Reduced operational overhead, fewer settlement exceptions, consistent audit trails, and faster corridor or partner expansion.
Streamlined operations with unified workflows reduce manual intervention and operational costs.
Consistent ledger model and standardized processes minimize settlement exceptions and reconciliation breaks.
Complete, consistent audit trails across all rails and providers for compliance and reporting.
Add new corridors and partners quickly without rebuilding infrastructure or operational processes.