magnolia
Your app. Your bank. One API.
Our thesis
Every app becomes a financial app.
Bank accounts, payments, and crypto under your brand. No bank charter. No six-month integration. Just an API and a regulated partner behind it.
We built Magnolia so you don't have to become a bank to act like one.
Ship with Magnolia
Embed a Bank
Your users get real bank accounts under your brand. One API, fully regulated, live next week.
Learn more→Move Money
ACH push, ACH pull, auto-pay, disbursements, direct deposit. If money needs to move, Magnolia moves it. All 50 states. No minimums.
Learn more→Convert Crypto
Fiat to bitcoin. Stablecoins to dollars. No iframes, no redirect flows. A clean API for every conversion your users need.
Learn more→Price Oracles
Bitcoin price feeds from a regulated entity, secured by Discreet Log Contracts. No foul play, no manipulation. The oracle your lending products can trust.
Learn more→Infrastructure in motion
Talk to us
30 minutes. We'll map your launch.
Tell us what you're building. We'll tell you exactly which APIs you need, what compliance looks like, and how fast you can go live.
No pitch. No obligation. No follow-up spam.
How it works
We handle compliance
One form. We do the rest. KYB, state licensing, bank partnerships. Our compliance team clears the path so your engineers never touch a regulatory filing.
Call the API
Four products, one integration. Banking, payments, crypto conversion, price oracles. Each is a REST endpoint with sandbox access on day one.
Ship under your brand
Your logo. Your UX. Our rails. Your users see your product. Behind it, a regulated entity, real bank accounts, and 50-state coverage.
Pricing
Built so you can start today. Not after a six-figure deposit.
Flat packs, transparent rates, no sky-high minimums. Pricing that doesn't punish you for being early.
Traditional banks
- Six-figure reserve deposits
- Hidden fee structures
- Volume minimums that punish small players
- Months to get approved
Magnolia
- Flat-rate packs that fit your stage
- Transparent pricing, no surprises
- No minimums. Start at any volume.
- Live in days
Throughput
Scale →
No cliffs. No surprises. Same deal at any size.
Coverage
All 50 states. Including the ones everyone else skips.
New York. Texas. The states where regulatory complexity kills most fintechs before they launch. We went through the pain so you never have to.
Your competitor is six months behind on their bank integration. You could be live next week.
One call. We'll tell you exactly what it takes to go live.
Get in touch