A new financial world, built by you.

Banking & Payments API for Software Teams

Hi, we're Sila. Let's talk payments.

Find out how Sila can help turn your vision into reality with our banking and payments API.

Identify users, connect bank accounts, and move money.

Sila provides Banking and Payments Infrastructure-as-a-Service for teams building the next generation of financial products and services. Our banking APIs replace the need for integrating with legacy financial institutions saving you months of development time, and thousands in legal and regulatory expenses.

Get up and running in 10 lines of code.

Ready-to-code libraries for JavaScript, Python, Go, Java, C#, .NET

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Move Money Effortlessly Inside Your App

Sila offers a simple, secure and scalable API platform for your business to move money with built-in regulatory compliance.

Create and Identify Users

Users can register new accounts and complete U.S. KYC requirements directly inside your app.

Connect Bank Accounts

Link users in your app to their bank accounts at over 9,600 financial institutions in the U.S. and Canada with or without trial micro-deposit verification.

Bank to Bank and Digital Wallet Transfers

Sila is designed for your use case with fast and flexible payment flows between individuals and businesses.

Move Money Automagically

Automate ACH and ERC-20 stablecoin transactions programmatically including built-in support for Ethereum Smart Contracts.

SILA

Sila is the only U.S. regulated payments and banking API that uses a built-in stablecoin called SILA to move money between user accounts. Currently available on the Ethereum public blockchain, SILA is an ERC-20 token pegged 100:1 to the US Dollar, with funds held by an FDIC member bank. The SILA token offers several benefits including programmable money via Solidity-based smart contracts, fiat-to-crypto on-ramps, and blockchain anchored transaction logs.

The creativity and passion of our client partners drives us to be our very best.

"The easiest way to close real estate transactions."
Fabrica
Online Real Estate Transactions
"Buy, sell, and accept digital assets."
Vertbase
Cryptocurrency Exchange
"Reliable payments for freelance professionals."
RelyPay
Freelance Payments

Pricing so good, we put it on our homepage.

Starter
Perfect for startups.
$0/mo
  • Individual ID Verification: $2
  • Business ID Verification: $3
  • ACH Debit or Credit: Lesser of 0.20% or $4
  • Digital Wallet to Wallet: Lesser of 0.20% or $4
  • Includes 1 linked bank account per user
  • Month-to-Month
Launch
Fixed transaction fees for growing businesses.
$4,999/mo
  • Individual ID Verification: $2
  • Business ID Verification: $3
  • ACH Debit or Credit: 20 cents
  • Digital Wallet to Wallet: 20 cents
  • Includes 1 linked bank account per user
  • 12 Months
Scale
Incredibly low fixed fees.
$9,999/mo
  • Individual ID Verification: $2
  • Business ID Verification: $3
  • ACH Debit or Credit: 10 cents
  • Digital Wallet to Wallet: 10 cents
  • Includes 1 linked bank account per user
  • 12 Months

Fine print you can actually read.

Additional linked bank accounts: $1 Same-Day ACH Debit or Credit: Transaction fee + $0.20 Insufficient funds returns: Transaction fee + $0.20 One-time deposit fee: $1,000 (applied as a credit on your first statement) Launch and Scale plans require an annual agreement. Monthly pricing reflect minimums calculated on any combination of identity verification, account linking or transaction fees.

Full-featured sandbox. Plans starting at $2 plus live support.