USD banking for

Asia-PacificAPAC
Hong KongHKG
SingaporeSGP
VietnamVNM
IndonesiaIDN
PhilippinesPHL
New ZealandNZL
ThailandTHA
AustraliaAUS
JapanJPN
South KoreaKOR
TaiwanTWN
IndiaIND
Asia-PacificAPAC

Accounts, payment rails, and same-day settlement

on US infrastructure — on APAC terms.

Backed by:

Fluent in Both Systems

Serving customers across APAC means navigating different languages, operating hours, compliance requirements and regulatory frameworks. Roots is purpose-built for that complexity.

Management team with over 20 years of banking experience and deep APAC regional knowledge. Roots is calibrated to support local hours, languages and compliance frameworks.

Roots operates on our own ABA routing number into a Fedmaster account - straight-through processing, on your timezone.

API-first and always on. Whenever you need us, wherever you are, we're there — in your language.

Accounts

An account structure

for every use case

Deposits may be eligible for FDIC pass-through insurance

Virtual accounts

A unique account number for every customer, issued instantly

DDA accounts

Full deposit accounts, opened in your name

FBO accounts

Hold and segregate customer funds at scale

Account details
Active
Meridian Commerce RRC
Available balance
$22,790.00
ADD
Withdraw
account number
•••• 4537
routing number
•••• 2810
Payments

Every US rail: domestic,

instant, and international

ACH
Same Day ACH
FedNow
Fedwire
SWIFT
send payment
Amount$5,290.00
ToNorthstar Logistic
RailACH
SEND

Helping industry

leaders scale

Collect in your sending markets like a local. Direct ACH and Fedwire access turns USD collections from a multi-day bottleneck into a same-day operation.

No correspondent routing, no settlement delays. Every incoming payment lands on its own dedicated account, traced to the right customer the moment it arrives — so reconciliation and compliance run themselves instead of running your ops team.

Collect in your sending markets like a local. Direct ACH and Fedwire access turns USD collections from a multi-day bottleneck into a same-day operation.

No correspondent routing, no settlement delays. Every incoming payment lands on its own dedicated account, traced to the right customer the moment it arrives — so reconciliation and compliance run themselves instead of running your ops team.

Accounts, payments, and settlement events — queryable state, webhooks on every change, ledger-level reconciliation. Enabling you to build on your terms.

APAC banks and NBFIs can plug directly into Fedwire, ACH, and real-time payments, collapsing a multi-party chain into one connection with lower cost, faster settlement, and full transparency.

Enable international contractors and sellers to collect, hold, and pay out USD with ease. Roots provides named account infrastructure and direct access to US payment systems for payroll and collections at scale, fully FDIC-insured.

APAC marketplaces and payroll platforms no longer need their own US banking relationships or third-party aggregators. Each contractor or seller gets a named, FDIC-insured USD account, with funds collected, held, and disbursed directly, with full visibility and control at scale.

Settle USD flows at the speed your counterparties expect without correspondent banking friction.

Roots gives APAC brokers and liquidity providers direct access to US payment rails and dollar settlement accounts, so funding, margin calls, and payouts move in real time, 24/5, with compliance and banking infrastructure handled behind the scenes.

The US financial system

made programmable

The regulated banking layer, exposed as an API

Accounts, payments, and settlement events — queryable state,

webhooks on every change, ledger-level reconciliation. Enabling you

to build on your terms.

POST/V1/Payouts201 created
{ 
  "external_id": "payout_20260803_001",
  "source": { 
    "kind": "account", 
    "id": "account_123" 
  }, 
  "destination": {
    "kind": "counterparty", 
    "id": "counterparty_123" 
  },
  "amount": 1250.5, 
  "purpose": "supplier_payment", 
  "description": "August inventory payment" 
}
Core primitives

Identity & Compliance · Account · Lifecycle · Payment State · Funds · Availability

Accounts

DDA · FBO · Virtual

Payment rails

ACH · Same Day ACH · FedNow · Fedwire · SWIFT

T-0 By Design

Tell us what you're building and how we can help

Read the Docs