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The financial identity that moves and grows with you.
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Products — Portabl Accounts
One integration for ACH account validation, linking, and bank-based ID—portable ACH and simplified account validation and funding, no more open banking redirect required.
Tap into bank-validated ID, ACH validation, and secure account-name-match linking. Hook into highly available tokenized access with most of the largest FIs and service providers in the US— over 10,0000 institutions and over 100M US residents today and counting.
The Problem
The growth in embedded banking is accelerating the need to tie verifiable identity to bank-based interactions. With the rise in ATOs linked to a2a fund theft, we set out to build more powerful ways to connect the dots between verified identities and verified account holders to fight fraud and make secure account linking seamless and redirect-free.
The Solution
Open banking started the “user permissioned data” conversation. In a world where protection against fraud and simplifying the user journey are often at odds, we've solved for both by treating ID verification and ACH validation as 2 parts of the same whole.
Today we're make open banking connectivity, ACH and account linking, and bank-based ID portable.Just like we do with our ID linking, we match and bind open banking information to trusted users, biometrics, and devices, protecting the account use over time and providing new types of risk signal across the life of the connection focusing on reputation and integrity.
Persistent account linking
Connect the dots between account owner, validated identity, biometrics and trusted device. We authenticate the match between verified user and account holder and continue to monitor the integrity and reputation of that link.
Portable, no-redirect ACH validation
Incorporate compliance with NACHA's Web Debit rule seamlessly as part of instant ID verification
Bank ID
Supplement or augment your user verification flows with bank-validated ID covering 10k institutions and 95% of the US population
Pre-linking risk insights
When combined with Portabl Verify, we deliver live risk, device, and network insights before launching the connection to prevent unauthorized access and high-risk linking events.
How it works
Verify - Configure a portabl-based verification or pass ID attributes from your existing verification engine to us.
Connect and Match - We will populate an OAuth2.0 based connection to the selected financial institution. On successful auth, we will match the upfront verification with the account holder information and confirm or reject the connection.
Bind and Sign - Portabl securely binds the ID verification with the account details and underlying device and biometric information in a credential format that's signed to prove authenticity and provenance.
2-Touch Reshare - We make ACH and account information portable, just like ID information. Known end-users can share ID and ACH information in a single interaction without redirecting to the open banking connection.
High-assurance ID meets embedded open banking on the same network.
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